Philadelphia, PA · Cert 58196
FDIC · 6 branches
Q1 2023
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2022 SOD (annual) · 0.0% share · #130 of 162 inst. · $0.2B of $2794.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.93% | 0.86% | -0.01% | 1.59% | 1.05% | 1.63% | 0.47% | +48 bps | |
| Return on Equity | 2.89% | 11.89% | 10.54% | -0.07% | 15.68% | 9.88% | 14.76% | 3.44% | +351 bps | |
| Net Interest Margin | 3.07% | 3.17% | 3.40% | 3.31% | 3.85% | 4.20% | 4.57% | 4.33% | +102 bps | |
| Efficiency Ratio | 96.72% | 77.88% | 81.85% | 112.11% | 113.06% | 118.47% | 108.27% | 99.38% | -1,273 bps | |
| Non-Interest Burden | 2.94% | 2.11% | 2.53% | 3.76% | 4.41% | 5.06% | 4.98% | 4.30% | +54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.91% | -5.13% | -4.32% | -15.83% | -24.08% | -24.81% | -15.99% | -20.37% | -454 bps | |
| Loan Growth (YoY) | -10.04% | -14.03% | -19.23% | -22.36% | -19.17% | -13.34% | -11.46% | -12.98% | +938 bps | |
| Deposit Growth (YoY) | -2.73% | -5.67% | -5.70% | -18.48% | -27.96% | -25.83% | -20.54% | -26.36% | -788 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.71% | 3.84% | 3.96% | 2.59% | 1.45% | 3.85% | 3.80% | 4.25% | +166 bps | |
| Net Charge-Offs / Loans | 0.45% | 0.55% | 0.42% | -0.45% | -1.36% | -0.90% | -1.14% | -0.08% | +37 bps | |
| Allowance / Loans | 2.96% | 3.13% | 3.22% | 3.24% | 2.61% | 2.25% | 1.92% | 1.47% | -177 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.8x | 1.3x | 1.8x | 0.6x | 0.5x | 0.3x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.31% | 8.31% | 8.88% | 9.44% | 10.99% | 12.48% | 13.44% | 13.70% | +426 bps | |
| Total Risk-Based Capital | 14.84% | 16.51% | 17.51% | 18.04% | 20.19% | 15.33% | 16.18% | 17.41% | -63 bps | |
| Equity / Assets | 7.46% | 8.55% | 9.30% | 9.71% | 11.59% | 12.42% | 12.83% | 14.63% | +492 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.43% | 84.10% | 84.91% | 86.32% | 93.60% | 98.26% | 94.61% | 102.01% | +1,569 bps | |
| Liquid Assets / Assets | 22.87% | 23.60% | 21.83% | 20.12% | 17.33% | 10.64% | 13.58% | 9.13% | -1,099 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |