Bala Cynwyd, PA · Cert 35078
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.90% | -13.09% | -6.65% | -1.35% | -2.76% | -4.19% | -4.98% | -6.71% | -536 bps | |
| Return on Equity | -58.74% | -163.75% | -121.40% | -29.24% | -61.32% | -102.30% | -148.78% | -314% | -28,435 bps | |
| Net Interest Margin | 3.00% | 2.54% | 2.50% | 2.21% | 2.75% | 2.58% | 2.67% | 2.63% | +42 bps | |
| Efficiency Ratio | 162.87% | 176.26% | 247% | 108.07% | 147.24% | 164.11% | 179.29% | 222% | +11,397 bps | |
| Non-Interest Burden | 4.97% | 4.53% | 6.04% | 2.51% | 4.25% | 4.48% | 4.96% | 5.76% | +326 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 | 0.15% | 23.03% | 3.21% | 4.86% | 0.31% | 4.75% | 4.86% | 4.73% | -13 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 |