Lititz, PA · Cert 7579
FDIC · 247 branches
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Lititz, PA · Cert 7579
FDIC · 247 branches
Q2 2015
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2015 SOD (annual) · 0.8% share · #15 of 133 inst. · $3.5B of $437.1B
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 1.02% | 0.89% | 0.93% | 0.87% | 0.81% | 0.70% | 0.74% | -19 bps | |
| Return on Equity | 6.96% | 6.79% | 6.02% | 6.26% | 5.82% | 5.45% | 4.76% | 5.00% | -126 bps | |
| Net Interest Margin | 3.30% | 3.25% | 3.12% | 3.10% | 3.09% | 3.04% | 3.10% | 3.10% | 0 bps | |
| Efficiency Ratio | 56.83% | 58.51% | 62.38% | 62.85% | 63.86% | 63.52% | 65.98% | 65.42% | +257 bps | |
| Non-Interest Burden | 1.65% | 1.67% | 1.79% | 1.79% | 1.81% | 1.76% | 1.75% | 1.73% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.86% | 2.30% | 2.42% | 1.63% | -0.03% | 0.72% | 1.16% | 1.12% | -51 bps | |
| Loan Growth (YoY) | 5.53% | 5.28% | 4.43% | 3.87% | 0.37% | -0.43% | -0.64% | -1.34% | -521 bps | |
| Deposit Growth (YoY) | -0.01% | 2.47% | 3.16% | 4.28% | 6.95% | 6.82% | 6.37% | 8.31% | +403 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 | 0.46% | 0.42% | 0.28% | 0.32% | 0.38% | 0.34% | 0.23% | 0.19% | -14 bps | |
| Allowance / Loans | 1.25% | 1.16% | 1.14% | 1.06% | 1.02% | 1.01% | 1.00% | 1.00% | -6 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 | 9.01% | 9.09% | n/a | |
| Total Risk-Based Capital | 12.86% | 12.32% | 12.42% | 12.52% | 12.74% | 12.36% | 12.06% | 12.13% | -39 bps | |
| Equity / Assets | 15.05% | 14.70% | 14.88% | 15.05% | 15.06% | 14.79% | 14.84% | 14.84% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.94% | 105.28% | 103.51% | 102.47% | 98.48% | 98.13% | 96.68% | 93.34% | -913 bps | |
| Liquid Assets / Assets | 0.51% | 0.59% | 0.68% | 0.92% | 3.23% | 1.67% | 1.47% | 1.11% | +19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |