Emmaus, PA · Cert 33526
FDIC
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Emmaus, PA · Cert 33526
FDIC
Q3 2007
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 0.93% | 0.92% | 0.93% | 0.96% | 0.90% | 0.85% | 0.82% | -12 bps | |
| Return on Equity | 14.05% | 13.23% | 13.35% | 13.49% | 13.90% | 13.08% | 12.36% | 11.74% | -175 bps | |
| Net Interest Margin | 3.38% | 3.45% | 3.42% | 3.28% | 3.20% | 3.09% | 3.08% | 3.12% | -16 bps | |
| Efficiency Ratio | 65.63% | 69.33% | 67.79% | 67.53% | 66.69% | 67.39% | 69.57% | 70.90% | +337 bps | |
| Non-Interest Burden | 2.01% | 2.22% | 2.12% | 2.03% | 1.92% | 1.91% | 1.97% | 2.05% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.44% | 8.69% | 9.23% | 8.51% | 8.73% | 12.77% | 4.86% | 3.22% | -529 bps | |
| Loan Growth (YoY) | 21.77% | 17.24% | 16.49% | 15.48% | 9.75% | 11.03% | 7.92% | 6.64% | -883 bps | |
| Deposit Growth (YoY) | 8.71% | 10.13% | 15.70% | 15.73% | 14.90% | 16.17% | 6.54% | 4.81% | -1,092 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 | 0.06% | 0.01% | 0.05% | 0.06% | 0.06% | -0.03% | 0.03% | 0.05% | -1 bps | |
| Allowance / Loans | 1.04% | 1.07% | 1.03% | 1.02% | 1.01% | 1.01% | 0.99% | 1.01% | -1 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 | 10.44% | 10.43% | 10.16% | 10.16% | 10.18% | 10.05% | 10.00% | 9.96% | -20 bps | |
| Equity / Assets | 7.04% | 7.02% | 6.70% | 6.93% | 6.96% | 6.84% | 6.95% | 7.07% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.79% | 90.13% | 88.01% | 88.99% | 86.72% | 86.14% | 89.16% | 90.55% | +156 bps | |
| Liquid Assets / Assets | 0.39% | 0.27% | 0.14% | 0.33% | 0.00% | 0.38% | 0.61% | 0.56% | +24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |