West Conshohocken, PA · Cert 58412
FDIC · 2 branches
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
West Conshohocken, PA · Cert 58412
FDIC · 2 branches
Q2 2015
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2015 SOD (annual) · 0.0% share · #168 of 219 inst. · $0.1B of $1502.0B
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.86% | -0.94% | 0.06% | -1.23% | -0.65% | -0.35% | 0.18% | -0.45% | +77 bps | |
| Return on Equity | -10.85% | -12.41% | 0.96% | -19.66% | -10.52% | -5.61% | 2.71% | -6.94% | +1,272 bps | |
| Net Interest Margin | 2.09% | 2.14% | 2.49% | 2.61% | 2.67% | 2.94% | 2.97% | 2.96% | +35 bps | |
| Efficiency Ratio | 139.50% | 136.28% | 97.34% | 97.32% | 94.02% | 92.09% | 95.14% | 111.69% | +1,438 bps | |
| Non-Interest Burden | 3.14% | 3.10% | 2.39% | 2.51% | 2.44% | 2.63% | 2.79% | 3.41% | +90 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.04% | 8.52% | 25.22% | 6.82% | 2.82% | -2.74% | -0.27% | -5.26% | -1,208 bps | |
| Loan Growth (YoY) | 57.08% | 47.24% | 60.03% | 34.16% | 23.59% | 14.44% | 13.24% | -2.80% | -3,696 bps | |
| Deposit Growth (YoY) | 19.60% | 24.48% | 19.15% | 11.54% | 4.56% | -1.52% | 2.64% | -4.28% | -1,582 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.29% | 0.20% | 0.00% | 1.41% | 0.97% | 0.74% | 0.00% | 0.00% | -141 bps | |
| Allowance / Loans | 1.35% | 1.36% | 1.33% | 1.24% | 1.22% | 1.24% | 1.22% | 1.25% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 6.66% | 6.41% | n/a | |
| Total Risk-Based Capital | 10.92% | 10.36% | 10.93% | 9.38% | 9.55% | 9.66% | 9.80% | 9.87% | +49 bps | |
| Equity / Assets | 6.67% | 6.42% | 6.32% | 5.97% | 6.05% | 6.72% | 6.38% | 6.44% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.53% | 84.50% | 86.15% | 97.03% | 96.38% | 98.19% | 95.04% | 98.54% | +150 bps | |
| Liquid Assets / Assets | 2.10% | 1.51% | 11.11% | 2.87% | 4.21% | 3.43% | 7.31% | 4.62% | +176 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |