Bala Cynwyd, PA · Cert 35078
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Bala Cynwyd, PA · Cert 35078
FDIC
Q3 2010
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.36% | -13.09% | -9.85% | -7.12% | -6.13% | -4.19% | -4.53% | -5.22% | +190 bps | |
| Return on Equity | -29.26% | -163.75% | -143.54% | -112.39% | -102.57% | -102.30% | -122.45% | -163.93% | -5,153 bps | |
| Net Interest Margin | 3.43% | 2.54% | 2.53% | 2.37% | 2.71% | 2.58% | 2.74% | 2.73% | +36 bps | |
| Efficiency Ratio | 151.86% | 176.26% | 210% | 165.94% | 161.37% | 164.11% | 171.28% | 186.12% | +2,018 bps | |
| Non-Interest Burden | 5.25% | 4.53% | 5.31% | 4.26% | 4.70% | 4.48% | 4.92% | 5.25% | +100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.40% | -1.46% | -2.61% | -11.07% | -15.91% | -23.97% | -27.04% | -27.99% | -1,692 bps | |
| Loan Growth (YoY) | 6.53% | -1.33% | -6.40% | -18.01% | -19.67% | -19.43% | -28.80% | -22.65% | -464 bps | |
| Deposit Growth (YoY) | 19.82% | 25.83% | 33.66% | 23.15% | -9.26% | -26.80% | -29.13% | -27.92% | -5,107 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 | 0.75% | 23.03% | 13.27% | 11.61% | 9.16% | 4.75% | 5.15% | 5.15% | -647 bps | |
| Allowance / Loans | 3.91% | 1.81% | 2.03% | 1.60% | 1.95% | 1.58% | 1.49% | 1.51% | -9 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 | 14.23% | 10.11% | 8.14% | 8.50% | 7.80% | 6.65% | 5.63% | 3.12% | -538 bps | |
| Equity / Assets | 9.59% | 6.37% | 4.60% | 4.65% | 4.32% | 3.85% | 2.84% | 1.38% | -327 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.63% | 94.54% | 90.44% | 86.39% | 91.74% | 104.06% | 90.86% | 92.70% | +631 bps | |
| Liquid Assets / Assets | 2.99% | 4.61% | 8.04% | 13.59% | 9.13% | 2.93% | 11.76% | 8.07% | -552 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |