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Letter portraitLegal landscapeQuarterYTD

Suburban Community Bank

Chalfont, PA · Cert 34343

FDIC

Q3 2003

$89.3MAssets
$62.6MLoans
$68.1MDeposits
$9.9MEquity
Deposit mix
85%Interest-bearing $57.9M15%Noninterest $10.2MQ3 2002Q3 2003

NIM

6.63%Q3 ’015.72%Q3 ’025.48%Q3 ’03+4%+6%

Non-interest income vs. expense

3.06%Q3 ’012.62%Q3 ’022.91%Q3 ’03-18%+13%

Executive Summary

  • Earnings: ROA of 0.66%, down 32 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Funding: loans stand at 91.87% of deposits as of Q3 2003.

Financial Results

Return on Assets (YTD, annualized)

0.66%-32 bps YoY

Net Interest Margin (YTD, annualized)

3.72%+19 bps YoY

Efficiency Ratio (YTD, annualized)

74.06%+440 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets0.98%1.03%0.71%0.63%0.66%-32 bps
Return on Equity9.05%9.41%6.47%5.83%6.04%-301 bps
Net Interest Margin3.53%3.50%3.66%3.52%3.72%+19 bps
Efficiency Ratio69.66%70.56%71.33%73.24%74.06%+440 bps
Non-Interest Burden2.39%2.40%2.56%2.53%2.71%+32 bps
Growth
Asset Growth (YoY)8.23%8.61%9.79%6.06%5.76%-248 bps
Loan Growth (YoY)39.93%33.81%16.18%11.78%2.56%-3,736 bps
Deposit Growth (YoY)15.93%15.85%16.92%12.34%11.27%-466 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.14%0.10%-0.02%-0.01%-0.03%-17 bps
Allowance / Loans1.17%1.22%1.32%1.29%1.37%+20 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital16.18%16.61%16.81%15.99%16.65%+47 bps
Equity / Assets11.14%11.20%10.66%10.79%11.11%-3 bps
Liquidity & Funding
Loans / Deposits99.67%95.28%84.96%89.93%91.87%-780 bps
Liquid Assets / Assets6.58%9.69%16.07%10.61%13.64%+706 bps
CRE / Total Capitaln/an/an/an/an/an/an/a