Blue Bell, PA · Cert 27568
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.58% | 1.13% | 1.16% | 0.83% | 0.37% | 0.66% | -21.20% | -2,236 bps | |
| Return on Equity | 11.34% | 7.09% | 14.56% | 14.67% | 9.73% | 4.14% | 7.45% | -355% | -37,003 bps | |
| Net Interest Margin | 4.56% | 4.41% | 4.82% | 4.75% | 4.68% | 4.79% | 4.87% | 4.90% | +15 bps | |
| Efficiency Ratio | 83.07% | 89.17% | 79.07% | 79.29% | 81.54% | 91.05% | 86.35% | 349% | +26,926 bps | |
| Non-Interest Burden | 3.02% | 3.54% | 2.86% | 2.80% | 3.11% | 4.16% | 3.75% | 23.99% | +2,119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.05% | 11.49% | 18.65% | 8.73% | 6.21% | -5.09% | -5.37% | 2.20% | -653 bps | |
| Loan Growth (YoY) | 6.40% | 18.25% | 22.66% | 13.93% | 5.42% | 3.77% | 3.97% | 8.71% | -522 bps | |
| Deposit Growth (YoY) | 8.28% | 12.24% | 19.38% | 8.68% | 3.31% | -6.20% | -14.85% | -6.70% | -1,538 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 | 0.00% | -0.02% | 0.34% | 0.47% | 0.28% | 0.39% | 0.03% | 1.30% | +83 bps | |
| Allowance / Loans | 0.71% | 0.76% | 0.68% | 0.66% | 0.69% | 0.66% | 0.66% | 1.03% | +36 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 | 11.59% | 11.49% | 11.67% | 12.40% | 12.62% | 12.71% | 11.97% | 5.52% | -688 bps | |
| Equity / Assets | 8.46% | 8.05% | 7.55% | 8.35% | 8.67% | 9.17% | 8.63% | 3.31% | -505 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.91% | 90.17% | 91.29% | 95.20% | 95.84% | 99.75% | 111.47% | 110.93% | +1,572 bps | |
| Liquid Assets / Assets | 0.11% | 0.09% | 0.02% | 0.05% | 4.26% | 2.57% | 2.08% | 2.07% | +202 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |