Downingtown, PA · Cert 7464
FDIC · 14 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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.
Downingtown, PA · Cert 7464
FDIC · 14 branches
Q3 2019
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2019 SOD (annual) · 0.2% share · #25 of 109 inst. · $1.0B of $459.9B
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 1.03% | 0.92% | 1.00% | 1.03% | 0.97% | 0.97% | 1.01% | +1 bps | |
| Return on Equity | 7.49% | 9.32% | 8.35% | 9.04% | 9.30% | 8.57% | 8.47% | 8.65% | -39 bps | |
| Net Interest Margin | 3.63% | 3.44% | 3.39% | 3.36% | 3.31% | 3.37% | 3.40% | 3.38% | +3 bps | |
| Efficiency Ratio | 63.57% | 63.80% | 67.08% | 65.62% | 64.56% | 66.21% | 66.83% | 65.29% | -33 bps | |
| Non-Interest Burden | 2.10% | 2.00% | 2.10% | 2.02% | 1.96% | 2.07% | 2.10% | 2.03% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.18% | 0.63% | 4.59% | 5.86% | 7.01% | 6.06% | 1.82% | -1.31% | -717 bps | |
| Loan Growth (YoY) | 3.55% | 5.93% | 8.46% | 10.75% | 10.49% | 7.99% | 5.13% | 1.75% | -900 bps | |
| Deposit Growth (YoY) | -3.66% | -1.78% | 4.53% | 7.84% | 14.30% | 9.97% | 4.45% | -0.83% | -867 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.89% | 0.97% | 0.76% | 0.71% | 0.62% | 0.49% | 0.66% | 0.77% | +5 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.03% | 0.09% | 0.02% | 0.04% | 0.07% | 0.07% | 0.06% | +4 bps | |
| Allowance / Loans | 0.69% | 0.71% | 0.70% | 0.72% | 0.71% | 0.72% | 0.72% | 0.74% | +2 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.7x | 0.9x | 1.0x | 1.2x | 1.5x | 1.1x | 1.0x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.99% | 10.12% | 10.10% | 10.23% | 10.21% | 10.38% | 10.61% | 10.92% | +69 bps | |
| Total Risk-Based Capital | 13.59% | 13.44% | 13.43% | 13.68% | 13.46% | 13.66% | 13.99% | 14.61% | +94 bps | |
| Equity / Assets | 11.11% | 11.09% | 10.88% | 11.19% | 11.23% | 11.41% | 11.80% | 12.50% | +132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.25% | 96.99% | 94.75% | 96.61% | 94.98% | 95.25% | 95.37% | 99.12% | +251 bps | |
| Liquid Assets / Assets | 5.87% | 6.19% | 7.70% | 5.57% | 5.75% | 7.39% | 8.48% | 6.02% | +45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |