Upper Southampton, PA · Cert 35561
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 | -3.35% | -2.52% | -2.78% | -2.95% | -4.99% | -1.46% | -1.20% | -1.54% | +141 bps | |
| Return on Equity | -43.57% | -46.58% | -52.17% | -56.04% | -103.07% | -54.76% | -46.79% | -63.02% | -698 bps | |
| Net Interest Margin | 2.25% | 1.07% | 1.32% | 1.73% | 2.16% | 2.70% | 2.72% | 2.80% | +107 bps | |
| Efficiency Ratio | 137.84% | 290% | 240% | 229% | 210% | 148.29% | 142.72% | 131.99% | -9,734 bps | |
| Non-Interest Burden | 3.21% | 3.53% | 3.57% | 4.37% | 4.91% | 4.14% | 3.99% | 3.77% | -61 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 | 3.17% | 0.04% | 1.29% | 2.38% | 5.20% | -0.03% | -0.18% | 1.39% | -99 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 |