Doylestown, PA · Cert 34042
FDIC
Q4 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.66% | 0.65% | 0.79% | 0.84% | 0.96% | 0.97% | 0.97% | +18 bps | |
| Return on Equity | n/a | 8.99% | 9.25% | 10.84% | 11.27% | 13.19% | 12.70% | 12.19% | +136 bps | |
| Net Interest Margin | 3.58% | 3.45% | 3.58% | 3.86% | 4.00% | 3.80% | 3.73% | 3.74% | -12 bps | |
| Efficiency Ratio | 73.60% | 71.09% | 73.75% | 73.68% | 73.69% | 71.50% | 72.46% | 71.35% | -233 bps | |
| Non-Interest Burden | 2.51% | 2.31% | 2.40% | 2.57% | 2.65% | 2.36% | 2.38% | 2.34% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.34% | 30.36% | 31.10% | 18.62% | 16.98% | 14.68% | 8.05% | 16.10% | -251 bps | |
| Loan Growth (YoY) | 33.67% | 30.43% | 25.78% | 22.08% | 18.23% | 14.61% | 13.84% | 13.23% | -885 bps | |
| Deposit Growth (YoY) | 33.47% | 45.18% | 51.27% | 32.66% | 29.18% | 22.98% | 14.47% | 25.86% | -680 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% | 0.10% | 0.25% | -0.06% | -0.02% | 0.00% | -0.05% | -30 bps | |
| Allowance / Loans | 1.22% | 1.28% | 1.30% | 1.32% | 1.39% | 1.44% | 1.45% | 1.48% | +17 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 | 12.40% | 10.72% | 9.52% | 10.21% | 10.23% | 10.46% | 10.90% | 10.82% | +60 bps | |
| Equity / Assets | 7.83% | 6.90% | 7.21% | 7.39% | 7.53% | 7.11% | 8.11% | 7.87% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.40% | 82.92% | 85.69% | 85.63% | 84.57% | 77.27% | 85.22% | 77.03% | -860 bps | |
| Liquid Assets / Assets | 0.06% | 0.05% | 0.18% | 0.10% | 0.07% | 0.04% | 0.05% | 2.61% | +252 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |