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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 ’017.09%Q2 ’015.99%Q2 ’02+13%+3%

Non-interest income vs. expense

10.84%Q1 ’017.72%Q2 ’017.75%Q2 ’02+18%+8%

Executive Summary

  • Earnings: ROA of 1.61%, up 4 bps year over year; NIM at 4.57%.
  • 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 (quarter, annualized)

1.61%+4 bps YoY

Net Interest Margin (quarter, annualized)

4.57%+13 bps YoY

Efficiency Ratio (quarter, annualized)

75.58%+31 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets1.57%1.66%2.23%1.69%1.61%+4 bps
Return on Equity22.83%22.44%29.73%23.03%21.37%-145 bps
Net Interest Margin4.45%4.41%4.55%4.27%4.57%+13 bps
Efficiency Ratio75.26%71.37%71.08%79.86%75.58%+31 bps
Non-Interest Burden1.91%2.04%1.63%1.81%2.07%+16 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%0.02%-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