PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St. Edmond's Federal Savings Bank

Philadelphia, PA · Cert 28916

FDIC

Q1 2012

$302.2MAssets
$183.3MLoans
$276.5MDeposits
$25.2MEquity
Loan mix
99%RE $163.0M0%C&I $0.8M0%Consumer $0.1MQ1 2011Q1 2012
Deposit mix
95%Interest-bearing $263.1M5%Noninterest $13.5MQ1 2011Q1 2012

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of -0.51%, down 56 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.68%.
  • Funding: loans stand at 66.29% of deposits as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.51%-56 bps YoY

Net Interest Margin (YTD, annualized)

2.93%

Efficiency Ratio (YTD, annualized)

118.07%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets0.05%0.14%0.22%0.23%-0.51%-56 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a2.93%n/an/a
Efficiency Ration/an/an/an/a118.07%n/an/a
Non-Interest Burdenn/an/an/an/a3.49%n/an/a
Growth
Asset Growth (YoY)-1.45%-4.10%-5.56%-1.68%-1.66%-21 bps
Loan Growth (YoY)-7.34%-5.07%-0.38%-4.60%-3.45%+389 bps
Deposit Growth (YoY)1.12%-2.33%-4.64%-0.77%1.53%+41 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.68%n/an/a
Allowance / Loansn/an/an/an/a0.75%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a17.61%n/an/a
Equity / Assetsn/an/an/an/a8.35%n/an/a
Liquidity & Funding
Loans / Deposits69.70%72.13%71.59%67.57%66.29%-342 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%11.33%+1,133 bps
CRE / Total Capitaln/an/an/an/an/an/an/a