Wyomissing, PA · Cert 33915
FDIC
Q2 2015
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 29.20% | 28.48% | 27.76% | 30.89% | 33.63% | +443 bps | |
| Return on Equity | 37.38% | 36.93% | 36.27% | 40.80% | 41.49% | +411 bps | |
| Net Interest Margin | 0.27% | 0.23% | 0.22% | 0.27% | 0.24% | -2 bps | |
| Efficiency Ratio | 67.16% | 66.32% | 67.61% | 65.24% | 63.70% | -346 bps | |
| Non-Interest Burden | -44.67% | -40.63% | -37.33% | -49.11% | -48.21% | -354 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.06% | 19.32% | 10.03% | 9.63% | -10.49% | -1,254 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 | 82.67% | 83.94% | n/a | |
| Total Risk-Based Capital | 256% | 254% | 231% | 249% | 294% | +3,772 bps | |
| Equity / Assets | 77.16% | 74.81% | 73.97% | 77.36% | 92.15% | +1,499 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 34.33% | 30.48% | 37.98% | 35.96% | 38.56% | +422 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |