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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

6.62%Q3 ’015.95%Q3 ’025.47%Q3 ’03+5%+5%

Non-interest income vs. expense

3.09%Q3 ’012.70%Q3 ’023.16%Q3 ’03-15%+16%

Executive Summary

  • Earnings: ROA of 0.70%, down 35 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.07%.
  • Funding: loans stand at 91.87% of deposits as of Q3 2003.

Financial Results

Return on Assets (quarter, annualized)

0.70%-35 bps YoY

Net Interest Margin (quarter, annualized)

3.94%+17 bps YoY

Efficiency Ratio (quarter, annualized)

75.55%+739 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets1.05%1.16%0.71%0.56%0.70%-35 bps
Return on Equity9.67%10.41%6.47%5.20%6.44%-323 bps
Net Interest Margin3.77%3.62%3.66%3.62%3.94%+17 bps
Efficiency Ratio68.17%73.20%71.33%75.06%75.55%+739 bps
Non-Interest Burden2.51%2.59%2.56%2.68%2.92%+41 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 / Loans0.43%0.00%-0.02%0.00%-0.07%-50 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