Chalfont, PA · Cert 34343
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.95% | 0.93% | 1.05% | 1.16% | 0.71% | 0.56% | 0.70% | -35 bps | |
| Return on Equity | 5.51% | 8.73% | 8.77% | 9.67% | 10.41% | 6.47% | 5.20% | 6.44% | -323 bps | |
| Net Interest Margin | 3.48% | 3.46% | 3.58% | 3.77% | 3.62% | 3.66% | 3.62% | 3.94% | +17 bps | |
| Efficiency Ratio | 77.40% | 73.56% | 67.64% | 68.17% | 73.20% | 71.33% | 75.06% | 75.55% | +739 bps | |
| Non-Interest Burden | 2.64% | 2.49% | 2.33% | 2.51% | 2.59% | 2.56% | 2.68% | 2.92% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.05% | 12.56% | 13.89% | 8.23% | 8.61% | 9.79% | 6.06% | 5.76% | -248 bps | |
| Loan Growth (YoY) | 16.01% | 16.96% | 34.27% | 39.93% | 33.81% | 16.18% | 11.78% | 2.56% | -3,736 bps | |
| Deposit Growth (YoY) | 39.93% | 25.33% | 28.35% | 15.93% | 15.85% | 16.92% | 12.34% | 11.27% | -466 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 | 1.71% | 0.00% | -0.03% | 0.43% | 0.00% | -0.02% | 0.00% | -0.07% | -50 bps | |
| Allowance / Loans | 1.30% | 1.29% | 1.28% | 1.17% | 1.22% | 1.32% | 1.29% | 1.37% | +20 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 | 17.95% | 16.44% | 16.28% | 16.18% | 16.61% | 16.81% | 15.99% | 16.65% | +47 bps | |
| Equity / Assets | 11.10% | 10.57% | 10.62% | 11.14% | 11.20% | 10.66% | 10.79% | 11.11% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.49% | 85.50% | 90.38% | 99.67% | 95.28% | 84.96% | 89.93% | 91.87% | -780 bps | |
| Liquid Assets / Assets | 15.08% | 16.05% | 10.35% | 6.58% | 9.69% | 16.07% | 10.61% | 13.64% | +706 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |