Doylestown, PA · Cert 58757
FDIC · 2 branches
Q1 2019
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2018 SOD (annual) · 0.0% share · #53 of 117 inst. · $0.2B of $486.3B
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 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.47% | 1.21% | 0.82% | 0.82% | 0.68% | -79 bps | |
| Return on Equity | 15.39% | 12.77% | 8.74% | 8.84% | 7.72% | -768 bps | |
| Net Interest Margin | 2.92% | 2.99% | 2.82% | 2.76% | 2.65% | -27 bps | |
| Efficiency Ratio | 68.77% | 65.28% | 69.37% | 68.43% | 67.14% | -163 bps | |
| Non-Interest Burden | 2.00% | 1.96% | 2.01% | 1.93% | 1.77% | -22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.33% | 11.56% | 12.77% | 11.43% | 16.93% | +1,461 bps | |
| Loan Growth (YoY) | 9.77% | 6.81% | 8.63% | 6.18% | 9.21% | -56 bps | |
| Deposit Growth (YoY) | 7.00% | 18.90% | 26.09% | 12.38% | 3.03% | -398 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.40% | 0.27% | 0.19% | 0.18% | -32 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.13% | 0.12% | 0.00% | 0 bps | |
| Allowance / Loans | 1.07% | 1.09% | 1.08% | 1.08% | 1.07% | 0 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.7x | 4.0x | 5.8x | 6.0x | +3.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.09% | 9.70% | 9.18% | 9.10% | 9.11% | -98 bps | |
| Total Risk-Based Capital | 17.07% | 16.55% | 15.60% | 15.73% | 15.63% | -143 bps | |
| Equity / Assets | 9.92% | 9.35% | 9.02% | 8.84% | 8.78% | -114 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 110.44% | 101.16% | 98.88% | 109.05% | 117.07% | +663 bps | |
| Liquid Assets / Assets | 2.91% | 0.38% | 0.41% | 0.45% | 0.39% | -252 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |