Pottstown, PA · Cert 28673
FDIC
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 1.00% | 0.89% | 0.99% | 1.06% | 1.06% | 1.06% | 0.81% | -18 bps | |
| Return on Equity | 12.25% | 11.92% | 10.36% | 11.56% | 12.23% | 12.85% | 13.51% | 9.98% | -158 bps | |
| Net Interest Margin | 3.19% | 3.35% | 3.28% | 3.41% | 3.10% | 3.33% | 3.60% | 3.44% | +2 bps | |
| Efficiency Ratio | 56.76% | 57.34% | 66.01% | 61.51% | 59.73% | 63.07% | 58.73% | 66.76% | +525 bps | |
| Non-Interest Burden | 1.54% | 1.66% | 2.08% | 1.89% | 1.52% | 1.76% | 1.78% | 2.06% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.48% | -4.17% | -1.40% | 0.19% | -0.88% | 2.23% | 4.33% | 2.66% | +246 bps | |
| Loan Growth (YoY) | -2.08% | -2.30% | -5.07% | -6.96% | -7.56% | -5.90% | 1.13% | 4.79% | +1,175 bps | |
| Deposit Growth (YoY) | -7.86% | -0.49% | -2.95% | 6.71% | 18.19% | 16.64% | 18.18% | 12.60% | +589 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 | 0.50% | 0.65% | 0.58% | 0.50% | 0.54% | 0.94% | 0.59% | 0.53% | +3 bps | |
| Allowance / Loans | 1.00% | 1.03% | 1.11% | 1.20% | 1.22% | 1.12% | 1.09% | 1.11% | -9 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 | 10.84% | 11.45% | 11.42% | 12.85% | 12.47% | 11.35% | 11.29% | 11.70% | -115 bps | |
| Equity / Assets | 8.00% | 8.70% | 8.52% | 8.60% | 8.66% | 7.91% | 7.82% | 8.32% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 126.12% | 120.21% | 119.80% | 106.40% | 98.65% | 96.98% | 102.52% | 99.02% | -738 bps | |
| Liquid Assets / Assets | 3.81% | 0.88% | 0.11% | 0.25% | 0.11% | 0.28% | 0.16% | 0.32% | +7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |