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Madison Bank, The

Blue Bell, PA · Cert 27568

FDIC

Q3 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2004, the quarter ended September 30, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Madison Bank, The

Blue Bell, PA · Cert 27568

FDIC

Q3 2004

$216.2MAssets
$199.2MLoans
$179.5MDeposits
$7.2MEquity
Deposit mix
76%Interest-bearing $135.9M24%Noninterest $43.7MQ3 2003Q3 2004

NIM

7.00%Q3 ’026.05%Q3 ’036.01%Q3 ’04-3%+4%

Non-interest income vs. expense

7.15%Q3 ’027.03%Q3 ’0313.19%Q3 ’04-21%+258%

Executive Summary

  • Earnings: ROA of -6.93%, down 791 bps year over year; NIM at 4.67%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.56%.
  • Funding: loans stand at 110.93% of deposits as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

-6.93%-791 bps YoY

Net Interest Margin (YTD, annualized)

4.67%+20 bps YoY

Efficiency Ratio (YTD, annualized)

178.71%+9,670 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets0.98%0.94%0.37%0.51%-6.93%-791 bps
Return on Equity12.14%11.51%4.14%5.80%-93.64%-10,578 bps
Net Interest Margin4.47%4.67%4.79%4.79%4.67%+20 bps
Efficiency Ratio82.01%81.90%91.05%88.50%178.71%+9,670 bps
Non-Interest Burden2.92%3.07%4.16%3.91%10.47%+755 bps
Growth
Asset Growth (YoY)8.73%6.21%-5.09%-5.37%2.20%-653 bps
Loan Growth (YoY)13.93%5.42%3.77%3.97%8.71%-522 bps
Deposit Growth (YoY)8.68%3.31%-6.20%-14.85%-6.70%-1,538 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.27%0.28%0.39%0.20%0.56%+30 bps
Allowance / Loans0.66%0.69%0.66%0.66%1.03%+36 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 Capital12.40%12.62%12.71%11.97%5.52%-688 bps
Equity / Assets8.35%8.67%9.17%8.63%3.31%-505 bps
Liquidity & Funding
Loans / Deposits95.20%95.84%99.75%111.47%110.93%+1,572 bps
Liquid Assets / Assets0.05%4.26%2.57%2.08%2.07%+202 bps
CRE / Total Capitaln/an/an/an/an/an/an/a