Bethlehem, PA · Cert 31595
FDIC
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00%1 | -0.85% | 0.23% | -0.36% | 0.10% | -0.12% | 0.19% | -1.42% | -106 bps | |
| Return on Equity | 0.01% | -12.44% | 3.04% | -4.47% | 1.27% | -1.51% | 2.28% | -17.50% | -1,303 bps | |
| Net Interest Margin | 1.28% | 1.51% | 1.86% | 1.95% | 1.91% | 2.13% | 1.97% | 1.97% | +2 bps | |
| Efficiency Ratio | 107.32% | 81.34% | 85.20% | 84.24% | 73.57% | 65.08% | 86.66% | 185.23% | +10,099 bps | |
| Non-Interest Burden | 1.38% | 1.16% | 1.56% | 1.61% | 1.29% | 1.20% | 1.70% | 3.84% | +223 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.96% | -20.66% | -18.32% | -15.37% | -20.25% | -12.98% | -3.94% | -2.39% | +1,298 bps | |
| Loan Growth (YoY) | 2.32% | 4.14% | 0.09% | 1.23% | -1.44% | -2.69% | 1.20% | 3.79% | +255 bps | |
| Deposit Growth (YoY) | -5.08% | -1.19% | -2.90% | -1.94% | -10.67% | -10.86% | -0.70% | 1.42% | +337 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% | 0.01% | 0.00% | 0.43% | 0.01% | 0.13% | 0.12% | +12 bps | |
| Allowance / Loans | 1.16% | 1.14% | 1.16% | 1.17% | 1.07% | 1.06% | 1.01% | 0.96% | -21 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 | 12.50% | 13.07% | 12.98% | 12.32% | 12.72% | 13.85% | 13.86% | 13.98% | +166 bps | |
| Equity / Assets | 6.62% | 7.14% | 7.93% | 8.04% | 8.23% | 8.20% | 8.22% | 8.03% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.20% | 59.56% | 63.13% | 63.90% | 65.32% | 65.02% | 64.34% | 65.38% | +149 bps | |
| Liquid Assets / Assets | 20.03% | 17.39% | 12.59% | 15.01% | 14.93% | 17.15% | 16.47% | 13.92% | -109 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |