Croydon, PA · Cert 28770
FDIC
Q2 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2010, the quarter ended June 30, 2010, 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.
Croydon, PA · Cert 28770
FDIC
Q2 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.59% | -7.67% | -3.89% | -3.24% | -2.30% | 0.54% | 0.85% | +473 bps | |
| Return on Equity | 6.69% | 6.06% | -93.21% | -48.69% | -41.65% | -29.52% | 6.74% | 10.37% | +5,906 bps | |
| Net Interest Margin | 2.99% | 2.70% | 1.27% | 1.94% | 1.74% | 1.92% | 3.58% | 3.79% | +186 bps | |
| Efficiency Ratio | 68.97% | 69.63% | 174.42% | 118.90% | 141.52% | 130.17% | 70.09% | 65.92% | -5,298 bps | |
| Non-Interest Burden | 2.05% | 1.87% | 2.22% | 2.30% | 2.47% | 2.50% | 2.51% | 2.49% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.03% | 24.21% | 19.72% | 12.75% | -6.88% | -14.41% | -8.35% | -11.75% | -2,450 bps | |
| Loan Growth (YoY) | 22.22% | 34.86% | 32.09% | 6.43% | -13.80% | -17.58% | -18.82% | -20.40% | -2,683 bps | |
| Deposit Growth (YoY) | 2.67% | 27.66% | 31.83% | 20.50% | 17.46% | -10.96% | -7.80% | -13.89% | -3,439 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% | 0.00% | 0.00% | 2.64% | 2.39% | 1.85% | 0.00% | 0.00% | -264 bps | |
| Allowance / Loans | 0.20% | 0.24% | 3.18% | 2.15% | 2.39% | 2.11% | 2.13% | 2.28% | +13 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 | 16.31% | 15.30% | 13.64% | 13.12% | 12.76% | 13.50% | 13.35% | 15.42% | +230 bps | |
| Equity / Assets | 8.83% | 8.81% | 7.60% | 7.48% | 7.10% | 7.81% | 8.09% | 8.57% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 111.55% | 93.07% | 99.91% | 91.12% | 81.86% | 86.14% | 87.96% | 84.23% | -689 bps | |
| Liquid Assets / Assets | 11.87% | 8.71% | 9.50% | 12.41% | 20.30% | 15.16% | 15.44% | 15.92% | +352 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |