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Pennview Savings Bank

Souderton, PA · Cert 29480

FDIC

Q4 2002

$171.3MAssets
$78.5MLoans
$108.1MDeposits
$20.5MEquity
Deposit mix
93%Interest-bearing $100.5M7%Noninterest $7.6MQ4 2001Q4 2002

NIM

6.69%Q1 ’016.04%Q4 ’015.29%Q4 ’02-11%-7%

Non-interest income vs. expense

4.16%Q1 ’014.47%Q4 ’014.16%Q4 ’02-1%-47%

Executive Summary

  • Earnings: ROA of 1.24%, up 72 bps year over year; NIM at 2.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 72.64% of deposits as of Q4 2002.

Financial Results

Return on Assets (quarter, annualized)

1.24%+72 bps YoY

Net Interest Margin (quarter, annualized)

2.31%-19 bps YoY

Efficiency Ratio (quarter, annualized)

76.43%-1,414 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets0.53%1.23%1.21%1.33%1.24%+72 bps
Return on Equity4.72%11.05%10.67%11.14%10.22%+550 bps
Net Interest Margin2.50%2.32%2.25%2.39%2.31%-19 bps
Efficiency Ratio90.57%75.18%76.68%73.39%76.43%-1,414 bps
Non-Interest Burden2.03%0.91%1.00%0.99%1.09%-95 bps
Growth
Asset Growth (YoY)1.23%-0.02%4.18%6.16%9.29%+806 bps
Loan Growth (YoY)-11.20%-16.21%-6.09%-8.87%-13.37%-217 bps
Deposit Growth (YoY)-0.19%-1.61%-0.56%0.34%-3.04%-286 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.02%0.18%0.17%0.01%-1 bps
Allowance / Loans1.00%1.07%0.94%0.98%1.07%+7 bps
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 Capital14.86%15.62%15.52%15.43%15.77%+91 bps
Equity / Assets11.07%11.25%11.43%12.39%11.98%+91 bps
Liquidity & Funding
Loans / Deposits81.30%76.93%83.44%79.25%72.64%-866 bps
Liquid Assets / Assets6.39%8.77%3.98%2.86%2.62%-378 bps
CRE / Total Capitaln/an/an/an/an/an/an/a