Lancaster, PA · Cert 57019
FDIC
Q4 2009
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -11.64% | -10.19% | -0.42% | 0.75% | -1.61% | +1,003 bps | |
| Return on Equity | -196.24% | -260% | -7.61% | 9.70% | -12.78% | +18,346 bps | |
| Net Interest Margin | 0.01% | 1.07% | 0.77% | 1.42% | -1.53% | -154 bps | |
| Efficiency Ratio | 165.21% | 166.29% | 103.15% | 93.76% | 109.37% | -5,584 bps | |
| Non-Interest Burden | 20.70% | 17.20% | 1.33% | 0.24% | 3.75% | -1,694 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 273% | 289% | 310% | 138.16% | -62.34% | -33,514 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 14.99% | 13.51% | 19.08% | 21.02% | 72.28% | +5,729 bps | |
| Equity / Assets | 4.57% | 3.31% | 7.25% | 8.15% | 28.94% | +2,437 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |