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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.23% | -0.65% | -0.35% | 0.18% | -0.45% | +77 bps | |
| Return on Equity | -19.66% | -10.52% | -5.61% | 2.71% | -6.94% | +1,272 bps | |
| Net Interest Margin | 2.61% | 2.67% | 2.94% | 2.97% | 2.96% | +35 bps | |
| Efficiency Ratio | 97.32% | 94.02% | 92.09% | 95.14% | 111.69% | +1,438 bps | |
| Non-Interest Burden | 2.51% | 2.44% | 2.63% | 2.79% | 3.41% | +90 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.82% | 2.82% | -2.74% | -0.27% | -5.26% | -1,208 bps | |
| Loan Growth (YoY) | 34.16% | 23.59% | 14.44% | 13.24% | -2.80% | -3,696 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 1.41% | 0.97% | 0.74% | 0.00% | 0.00% | -141 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 6.66% | 6.41% | n/a | |
| Total Risk-Based Capital | 9.38% | 9.55% | 9.66% | 9.80% | 9.87% | +49 bps | |
| Equity / Assets | 5.97% | 6.05% | 6.72% | 6.38% | 6.44% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.03% | 96.38% | 98.19% | 95.04% | 98.54% | +150 bps | |
| Liquid Assets / Assets | 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 |