Jenkintown, PA · Cert 27942
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Jenkintown, PA · Cert 27942
FDIC
Q3 2011
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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.62% | 0.65% | 0.71% | -0.68% | -130 bps | |
| Return on Equity | 4.50% | 4.50% | 4.47% | 4.73% | -4.50% | -900 bps | |
| Net Interest Margin | 2.55% | 2.58% | 2.57% | 2.63% | 2.71% | +17 bps | |
| Efficiency Ratio | 68.87% | 68.24% | 71.82% | 68.35% | 144.26% | +7,539 bps | |
| Non-Interest Burden | 1.68% | 1.68% | 1.76% | 1.70% | 3.87% | +220 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.49% | 0.73% | -7.42% | -7.23% | -8.05% | -1,054 bps | |
| Loan Growth (YoY) | -8.56% | -9.43% | -10.15% | -11.55% | -11.93% | -337 bps | |
| Deposit Growth (YoY) | 8.11% | 4.35% | -4.31% | -5.27% | -7.54% | -1,565 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.92% | 0.83% | -0.02% | -0.03% | -0.02% | -94 bps | |
| Allowance / Loans | 0.65% | 0.61% | 0.63% | 0.66% | 0.70% | +5 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 22.98% | 23.89% | 24.76% | 25.47% | 25.06% | +209 bps | |
| Equity / Assets | 13.97% | 14.10% | 15.17% | 15.51% | 16.04% | +208 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.75% | 75.81% | 78.44% | 75.96% | 74.06% | -369 bps | |
| Liquid Assets / Assets | 9.35% | 10.64% | 7.80% | 9.72% | 11.25% | +190 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |