Bethlehem, PA · Cert 28166
FDIC
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, 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.
Bethlehem, PA · Cert 28166
FDIC
Q4 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.88% | 0.87% | 0.90% | 0.90% | 0.73% | 0.72% | 0.68% | -22 bps | |
| Return on Equity | 6.97% | 7.35% | 7.26% | 7.49% | 7.36% | 6.08% | 6.10% | 5.86% | -163 bps | |
| Net Interest Margin | 2.52% | 2.55% | 2.52% | 2.55% | 2.46% | 2.45% | 2.46% | 2.41% | -14 bps | |
| Efficiency Ratio | 62.19% | 62.17% | 62.38% | 61.15% | 62.34% | 63.81% | 64.52% | 65.86% | +471 bps | |
| Non-Interest Burden | 1.23% | 1.25% | 1.25% | 1.17% | 1.20% | 1.24% | 1.27% | 1.28% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.19% | -3.71% | -5.38% | -5.33% | -2.71% | -2.98% | -1.55% | 0.13% | +546 bps | |
| Loan Growth (YoY) | 44.30% | 7.25% | 8.40% | 9.44% | 15.58% | 15.17% | 14.30% | 15.42% | +597 bps | |
| Deposit Growth (YoY) | 36.34% | 8.05% | 6.61% | 3.00% | 3.47% | 3.96% | 1.62% | 2.57% | -43 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 | 0.20% | 0.17% | 0.14% | 0.14% | 0.09% | 0.04% | 0.03% | 0.05% | -9 bps | |
| Allowance / Loans | 1.07% | 1.08% | 1.04% | 1.05% | 0.97% | 0.98% | 1.00% | 1.00% | -5 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 | 14.30% | 13.39% | 12.99% | 13.23% | 12.82% | 11.04% | 10.73% | 10.10% | -313 bps | |
| Equity / Assets | 12.01% | 11.61% | 12.01% | 12.33% | 12.22% | 11.24% | 11.25% | 10.97% | -136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.67% | 79.96% | 83.39% | 84.31% | 87.88% | 88.59% | 93.80% | 94.87% | +1,056 bps | |
| Liquid Assets / Assets | 2.81% | 3.39% | 1.60% | 1.45% | 1.20% | 1.05% | 1.02% | 0.94% | -51 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |