Upper Southampton, PA · Cert 35561
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 | -9.21% | -2.52% | -2.98% | -3.30% | -12.25% | -1.46% | -0.93% | -2.19% | +110 bps | |
| Return on Equity | -137.26% | -46.58% | -58.41% | -64.87% | -312% | -54.76% | -37.89% | -99.69% | -3,482 bps | |
| Net Interest Margin | 1.74% | 1.07% | 1.49% | 2.21% | 3.04% | 2.70% | 2.79% | 2.67% | +46 bps | |
| Efficiency Ratio | 193.39% | 290% | 203% | 214% | 171.72% | 148.29% | 137.26% | 108.92% | -10,497 bps | |
| Non-Interest Burden | 3.71% | 3.53% | 3.39% | 5.07% | 5.39% | 4.14% | 3.90% | 2.92% | -214 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.23% | -7.80% | -14.74% | -19.37% | -22.11% | -20.80% | -12.55% | -9.14% | +1,023 bps | |
| Loan Growth (YoY) | -20.61% | -17.53% | -13.85% | -9.57% | -10.53% | -12.23% | -14.00% | -16.17% | -660 bps | |
| Deposit Growth (YoY) | -4.39% | 7.29% | -3.74% | -9.00% | -18.58% | -22.76% | -10.63% | -2.33% | +667 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 | 10.57% | 0.04% | 2.53% | 4.49% | 13.28% | -0.03% | -0.33% | 4.55% | +6 bps | |
| Allowance / Loans | 3.45% | 3.50% | 3.34% | 2.47% | 2.73% | 2.84% | 3.15% | 2.91% | +44 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 | 10.58% | 9.99% | 9.40% | 8.29% | 5.23% | 4.95% | 4.79% | 4.06% | -423 bps | |
| Equity / Assets | 5.77% | 5.07% | 5.15% | 5.01% | 2.78% | 2.56% | 2.37% | 2.02% | -300 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.19% | 68.16% | 74.89% | 85.83% | 84.82% | 77.46% | 72.07% | 73.67% | -1,216 bps | |
| Liquid Assets / Assets | 16.09% | 13.82% | 12.97% | 8.92% | 9.33% | 11.16% | 13.80% | 11.66% | +275 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |