Doylestown, PA · Cert 58502
FDIC · 2 branches
Q2 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2020, the quarter ended June 30, 2020, 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.
Doylestown, PA · Cert 58502
FDIC · 2 branches
Q2 2020
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2020 SOD (annual) · 0.1% share · #39 of 108 inst. · $0.5B of $573.0B
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.68% | 1.10% | 0.83% | 0.96% | 0.97% | 0.99% | 0.91% | +8 bps | |
| Return on Equity | 5.12% | 7.00% | 10.90% | 8.22% | 9.54% | 9.61% | 9.77% | 9.36% | +114 bps | |
| Net Interest Margin | 3.26% | 3.40% | 3.48% | 3.47% | 3.43% | 3.37% | 3.35% | 2.93% | -54 bps | |
| Efficiency Ratio | 62.82% | 60.48% | 62.92% | 63.11% | 60.05% | 63.57% | 63.03% | 62.34% | -77 bps | |
| Non-Interest Burden | 1.99% | 2.00% | 2.14% | 2.14% | 2.01% | 2.09% | 2.07% | 1.79% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.42% | 7.23% | 2.79% | 5.06% | 6.71% | 7.60% | 6.86% | 20.35% | +1,528 bps | |
| Loan Growth (YoY) | 11.21% | 6.04% | 5.44% | 3.83% | 4.09% | 5.42% | 3.49% | 14.46% | +1,063 bps | |
| Deposit Growth (YoY) | 5.62% | 4.93% | 3.19% | 4.70% | 4.06% | 8.28% | 7.04% | 24.08% | +1,937 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.43% | 1.36% | 1.05% | 0.82% | 0.72% | 0.62% | 0.59% | 0.73% | -9 bps | |
| Net Charge-Offs / Loans | 0.62% | 0.76% | -0.16% | 0.40% | 0.27% | 0.26% | 0.12% | 0.05% | -35 bps | |
| Allowance / Loans | 1.36% | 1.15% | 1.17% | 1.10% | 1.10% | 0.94% | 0.92% | 0.82% | -28 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.8x | 1.1x | 1.3x | 1.5x | 1.5x | 1.5x | 1.1x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.49% | 10.06% | 10.36% | 10.41% | 10.39% | 10.33% | 10.24% | 9.26% | -115 bps | |
| Total Risk-Based Capital | 12.63% | 13.10% | 13.22% | 13.20% | 13.20% | 13.44% | 12.90% | 13.28% | +9 bps | |
| Equity / Assets | 9.70% | 10.05% | 10.13% | 9.96% | 10.14% | 10.31% | 10.05% | 8.84% | -112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.15% | 109.45% | 107.99% | 106.61% | 109.17% | 106.56% | 104.41% | 98.35% | -826 bps | |
| Liquid Assets / Assets | 7.53% | 6.77% | 9.88% | 10.91% | 6.31% | 8.78% | 11.71% | 15.30% | +439 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |