Downingtown, PA · Cert 30929
FDIC
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Downingtown, PA · Cert 30929
FDIC
Q2 2005
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.93% | 0.95% | 1.00% | 1.01% | 0.99% | 0.18% | 0.45% | -55 bps | |
| Return on Equity | 9.59% | 9.97% | 9.93% | 10.59% | 10.63% | 10.46% | 1.95% | 4.85% | -574 bps | |
| Net Interest Margin | 3.19% | 3.15% | 3.30% | 3.17% | 3.19% | 3.19% | 3.52% | 3.51% | +34 bps | |
| Efficiency Ratio | 65.43% | 65.98% | 66.78% | 65.64% | 65.88% | 65.49% | 97.07% | 86.74% | +2,110 bps | |
| Non-Interest Burden | 1.87% | 1.86% | 2.01% | 1.86% | 1.88% | 1.87% | 3.42% | 2.98% | +112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.43% | 2.32% | 7.02% | 10.05% | 7.75% | 10.61% | 7.20% | 4.00% | -606 bps | |
| Loan Growth (YoY) | 6.31% | 6.51% | 7.74% | 3.04% | 0.24% | 6.06% | 8.92% | 11.88% | +884 bps | |
| Deposit Growth (YoY) | -0.01% | -3.30% | 2.14% | 6.72% | 7.50% | 10.98% | 8.29% | 5.33% | -139 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 | 0.02% | 0.02% | 0.02% | 0.03% | 0.04% | 0.03% | 0.02% | 0.01% | -2 bps | |
| Allowance / Loans | 1.42% | 1.49% | 1.56% | 1.57% | 1.57% | 1.56% | 1.55% | 1.54% | -3 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 | 13.86% | 14.24% | 14.09% | 14.14% | 14.15% | 13.45% | 13.38% | 13.21% | -93 bps | |
| Equity / Assets | 9.40% | 9.57% | 9.54% | 9.23% | 9.54% | 9.37% | 9.26% | 9.48% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.63% | 103.41% | 95.04% | 93.58% | 94.76% | 98.82% | 95.59% | 99.40% | +581 bps | |
| Liquid Assets / Assets | 6.97% | 6.59% | 10.49% | 10.40% | 9.62% | 9.07% | 8.11% | 4.05% | -635 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |