Herndon, PA · Cert 13836
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | -0.04% | 0.63% | 0.29% | 1.12% | -0.01% | 0.63% | 0.05% | -24 bps | |
| Return on Equity | 1.61% | -0.15% | 2.34% | 1.07% | 4.07% | -0.05% | 2.33% | 0.19% | -88 bps | |
| Net Interest Margin | 2.90% | 2.80% | 2.61% | 2.48% | 3.31% | 2.67% | 2.80% | 2.75% | +27 bps | |
| Efficiency Ratio | 85.78% | 117.19% | 78.77% | 93.43% | 67.69% | 81.60% | 78.57% | 98.09% | +465 bps | |
| Non-Interest Burden | 2.47% | 3.31% | 2.02% | 2.31% | 2.19% | 2.06% | 2.17% | 2.69% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.86% | 3.99% | 4.83% | 3.33% | -0.04% | 1.40% | -1.26% | -3.88% | -721 bps | |
| Loan Growth (YoY) | 0.76% | 3.73% | 0.56% | -2.94% | -1.03% | 0.54% | 7.25% | 7.56% | +1,050 bps | |
| Deposit Growth (YoY) | 3.83% | 5.64% | 6.71% | 4.72% | -0.17% | 1.66% | -1.83% | -5.41% | -1,013 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 | -0.24% | 1.94% | -0.25% | -0.25% | -0.19% | 0.71% | 1.98% | 0.09% | +34 bps | |
| Allowance / Loans | 2.25% | 1.73% | 1.87% | 1.93% | 1.94% | 2.29% | 1.74% | 1.72% | -20 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 | 67.30% | 63.45% | 68.27% | 69.77% | 70.58% | 71.20% | 69.01% | 70.86% | +110 bps | |
| Equity / Assets | 27.68% | 27.19% | 26.79% | 27.26% | 27.90% | 27.00% | 27.31% | 28.61% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 38.88% | 38.93% | 36.14% | 37.14% | 38.55% | 38.50% | 39.48% | 42.24% | +510 bps | |
| Liquid Assets / Assets | 52.82% | 55.26% | 48.18% | 48.93% | 51.89% | 49.10% | 54.31% | 52.27% | +334 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |