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Founders' Bank

Bryn Mawr, PA · Cert 27296

FDIC

Q2 2002

$179.5MAssets
$123.6MLoans
$145.3MDeposits
$14.1MEquity
Loan mix
53%RE $27.2M47%C&I $24.2M0%Consumer $0.2MQ2 2001Q2 2002
Deposit mix
75%Interest-bearing $109.0M25%Noninterest $36.3MQ2 2001Q2 2002

NIM

7.27%Q1 ’017.37%Q2 ’015.99%Q2 ’02+9%+5%

Non-interest income vs. expense

10.84%Q1 ’019.55%Q2 ’018.94%Q2 ’02+12%+10%

Executive Summary

  • Earnings: ROA of 1.66%, up 12 bps year over year; NIM at 4.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 85.09% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

1.66%+12 bps YoY

Net Interest Margin (YTD, annualized)

4.50%+21 bps YoY

Efficiency Ratio (YTD, annualized)

77.94%-138 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets1.54%1.57%1.73%1.69%1.66%+12 bps
Return on Equityn/an/an/a23.03%22.08%n/a
Net Interest Margin4.29%4.20%4.19%4.27%4.50%+21 bps
Efficiency Ratio79.32%77.22%75.68%79.86%77.94%-138 bps
Non-Interest Burden1.80%1.83%1.73%1.81%1.98%+17 bps
Growth
Asset Growth (YoY)14.30%12.21%3.67%13.14%14.05%-24 bps
Loan Growth (YoY)22.93%21.51%25.15%25.23%11.69%-1,124 bps
Deposit Growth (YoY)3.73%6.66%-0.34%5.46%22.91%+1,918 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.01%-0.01%0.00%-1 bps
Allowance / Loans1.44%1.39%1.38%1.37%1.44%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.11%10.23%10.42%10.17%10.72%+61 bps
Equity / Assets7.24%7.51%7.50%7.18%7.87%+63 bps
Liquidity & Funding
Loans / Deposits93.64%106.72%83.98%84.64%85.09%-855 bps
Liquid Assets / Assets0.05%0.04%0.02%0.04%0.04%-2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a