Blue Bell, PA · Cert 27568
FDIC
Q3 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.58% | 0.87% | 0.98% | 0.94% | 0.37% | 0.51% | -6.93% | -791 bps | |
| Return on Equity | 7.28% | 7.09% | 10.85% | 12.14% | 11.51% | 4.14% | 5.80% | -93.64% | -10,578 bps | |
| Net Interest Margin | 4.31% | 4.41% | 4.50% | 4.47% | 4.67% | 4.79% | 4.79% | 4.67% | +20 bps | |
| Efficiency Ratio | 87.39% | 89.17% | 83.59% | 82.01% | 81.90% | 91.05% | 88.50% | 178.71% | +9,670 bps | |
| Non-Interest Burden | 3.33% | 3.54% | 3.11% | 2.92% | 3.07% | 4.16% | 3.91% | 10.47% | +755 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 | 0.28% | -0.02% | 0.16% | 0.27% | 0.28% | 0.39% | 0.20% | 0.56% | +30 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 |