Newtown Square, PA · Charter 19361
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
Newtown Square, PA · Charter 19361
Q3 2008
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.51% | 0.60% | 0.70% | 0.58% | 0.03% | -0.20% | 0.45% | -25 bps | |
| Return on Equity | 1.19% | 2.38% | 2.77% | 3.15% | 2.59% | 0.12% | -0.86% | 1.94% | -121 bps | |
| Net Interest Margin | 3.02% | 3.20% | 3.09% | 3.21% | 3.12% | 2.57% | 2.52% | 2.31% | -90 bps | |
| Efficiency Ratio | 91.55% | 84.27% | 80.71% | 78.30% | 81.59% | 98.93% | 107.88% | 85.05% | +675 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.73% | -5.52% | -2.30% | -3.03% | -3.28% | -6.23% | -6.67% | -2.96% | +7 bps | |
| Loan Growth (YoY) | -36.24% | -42.01% | -43.30% | -45.85% | -36.80% | -34.70% | -45.73% | -70.94% | -2,509 bps | |
| Share Growth (YoY) | -15.85% | -7.21% | -3.48% | -4.45% | -4.77% | -8.47% | -8.70% | -8.40% | -395 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 13.77% | 13.74% | 12.77% | 29.02% | 28.63% | 29.53% | 9.28% | 16.30% | -1,272 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.99% | 10.63% | 12.49% | 14.17% | 15.46% | 17.22% | 23.01% | 25.68% | +1,151 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.49% | 21.60% | 21.77% | 22.34% | 22.40% | 23.09% | 23.28% | 23.41% | +107 bps | |
| Net Worth / Assets | 21.49% | 21.60% | 21.77% | 22.34% | 22.40% | 23.09% | 23.28% | 23.41% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 13.84% | 12.01% | 11.09% | 10.12% | 9.18% | 8.57% | 6.59% | 3.21% | -691 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |