Willow Grove, PA · Cert 34130
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Willow Grove, PA · Cert 34130
FDIC
Q2 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | -3.56% | 0.35% | -1.62% | -2.57% | -3.05% | -1.03% | -3.11% | -149 bps | |
| Return on Equity | 0.35% | -41.94% | 5.93% | -28.59% | -49.15% | -63.17% | -35.34% | -126.50% | -9,791 bps | |
| Net Interest Margin | 4.08% | 3.67% | 4.57% | 3.60% | 3.93% | 4.24% | 4.56% | 5.04% | +144 bps | |
| Efficiency Ratio | 89.59% | 113.76% | 88.20% | 110.05% | 119.10% | 119.80% | 108.70% | 119.03% | +898 bps | |
| Non-Interest Burden | 3.51% | 5.76% | 3.37% | 4.46% | 5.57% | 6.15% | 5.48% | 7.21% | +275 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.12% | 9.58% | -1.32% | 4.83% | -4.27% | -8.43% | -1.95% | -4.62% | -945 bps | |
| Loan Growth (YoY) | 3.85% | 2.44% | 2.89% | 2.50% | 2.02% | -1.95% | -0.48% | -2.54% | -504 bps | |
| Deposit Growth (YoY) | 12.89% | 14.20% | 1.72% | 9.44% | 0.09% | -6.14% | 1.24% | -0.79% | -1,023 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 | 0.17% | 0.18% | 0.95% | 1.17% | 0.83% | 1.13% | 0.39% | 0.79% | -38 bps | |
| Allowance / Loans | 0.90% | 1.78% | 1.83% | 2.20% | 2.49% | 2.22% | 2.21% | 2.48% | +28 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 | 12.81% | 9.59% | 10.31% | 8.31% | 6.77% | 4.93% | 4.68% | 2.85% | -547 bps | |
| Equity / Assets | 8.74% | 5.73% | 6.04% | 5.26% | 3.95% | 3.09% | 2.74% | 1.54% | -372 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.87% | 80.41% | 80.36% | 82.49% | 80.39% | 84.00% | 78.99% | 81.04% | -146 bps | |
| Liquid Assets / Assets | 7.62% | 3.50% | 2.31% | 11.64% | 12.69% | 6.39% | 12.74% | 7.10% | -454 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |