Fort Washington, PA · Cert 58531
FDIC
Q4 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | -0.26% | 0.34% | -3.19% | -1.60% | -1.30% | -2.96% | -4.97% | -178 bps | |
| Return on Equity | 5.76% | -3.07% | 4.11% | -40.72% | -29.27% | -24.77% | -60.59% | -117.19% | -7,647 bps | |
| Net Interest Margin | 2.67% | 2.63% | 2.74% | 2.94% | 2.75% | 2.60% | 2.58% | 2.77% | -17 bps | |
| Efficiency Ratio | 94.38% | 103.16% | 96.51% | 102.91% | 113.03% | 107.42% | 112.06% | 124.85% | +2,195 bps | |
| Non-Interest Burden | 1.90% | 3.07% | 2.15% | 3.47% | 5.23% | 4.12% | 4.91% | 7.22% | +374 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.85% | 12.22% | 29.26% | 2.82% | -6.48% | 0.39% | -21.13% | -21.27% | -2,409 bps | |
| Loan Growth (YoY) | 32.84% | 31.61% | 60.62% | 11.89% | 3.10% | -3.29% | -38.95% | -33.42% | -4,531 bps | |
| Deposit Growth (YoY) | 14.49% | 12.32% | -0.02% | -4.33% | 8.57% | 18.22% | 11.81% | -3.77% | +56 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 | 1.44% | 0.71% | 0.39% | 0.95% | 0.19% | 0.42% | 0.95% | 1.20% | +25 bps | |
| Allowance / Loans | 0.57% | 0.57% | 0.48% | 0.68% | 0.66% | 0.82% | 1.08% | 1.46% | +78 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 | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.41% | 10.32% | 10.40% | 8.90% | 8.18% | 8.54% | 7.34% | 3.11% | -579 bps | |
| Equity / Assets | 8.32% | 8.33% | 7.91% | 5.65% | 5.30% | 4.77% | 3.70% | 1.05% | -460 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.15% | 96.73% | 120.70% | 102.07% | 87.51% | 79.13% | 65.91% | 70.63% | -3,144 bps | |
| Liquid Assets / Assets | 0.85% | 0.04% | 0.02% | 0.79% | 0.76% | 0.73% | 14.30% | 9.79% | +901 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |