Doylestown, PA · Cert 33581
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 1.35% | 0.86% | 0.80% | 0.80% | 0.78% | 0.55% | 0.47% | -32 bps | |
| Return on Equity | 4.61% | 7.21% | 4.55% | 4.19% | 4.49% | 4.79% | 3.39% | 2.94% | -125 bps | |
| Net Interest Margin | 3.22% | 3.96% | 3.41% | 3.34% | 3.35% | 3.15% | 3.02% | 2.88% | -46 bps | |
| Efficiency Ratio | 56.82% | 50.04% | 58.55% | 61.47% | 61.34% | 60.79% | 70.23% | 72.74% | +1,127 bps | |
| Non-Interest Burden | 1.96% | 2.06% | 2.11% | 2.16% | 2.18% | 2.00% | 2.23% | 2.19% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.67% | -2.59% | -0.35% | 0.16% | 2.87% | 2.46% | 1.23% | 4.38% | +422 bps | |
| Loan Growth (YoY) | 6.95% | 6.38% | 4.43% | 6.64% | 9.63% | 12.56% | 9.66% | 9.78% | +314 bps | |
| Deposit Growth (YoY) | -0.98% | -2.28% | -0.05% | -1.46% | -2.07% | 0.81% | 1.97% | 2.80% | +426 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 | -0.01% | -0.27% | 0.02% | -0.01% | 0.03% | -0.07% | 0.01% | 0.00% | +1 bps | |
| Allowance / Loans | 1.40% | 1.49% | 1.43% | 1.41% | 1.33% | 1.33% | 1.32% | 1.29% | -12 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 | 12.98% | 13.65% | 13.73% | 13.78% | 11.28% | 11.36% | 11.32% | 11.34% | -244 bps | |
| Equity / Assets | 18.69% | 18.81% | 18.99% | 19.14% | 16.32% | 16.31% | 16.24% | 16.05% | -308 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.07% | 98.60% | 99.70% | 102.74% | 107.55% | 110.09% | 107.22% | 109.72% | +698 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.03% | 0.01% | 0.12% | 0.06% | 0.00% | 0.13% | +11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |