Wyomissing, PA · Cert 57478
FDIC
Q4 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.07% | 0.10% | -0.28% | 0.39% | -0.29% | 0.09% | -0.18% | -0.27% | -66 bps | |
| Return on Equity | -1.03% | 1.42% | -4.08% | 5.58% | -4.25% | 1.29% | -2.42% | -3.74% | -932 bps | |
| Net Interest Margin | 2.81% | 2.98% | 2.76% | 2.79% | 2.88% | 2.79% | 2.65% | 2.70% | -9 bps | |
| Efficiency Ratio | 93.59% | 86.75% | 91.09% | 85.43% | 105.57% | 92.03% | 102.17% | 105.76% | +2,033 bps | |
| Non-Interest Burden | 2.65% | 2.59% | 2.53% | 2.39% | 3.07% | 2.58% | 2.73% | 2.89% | +50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.37% | 2.89% | 1.73% | 4.30% | 1.69% | 1.42% | -4.94% | -1.65% | -595 bps | |
| Loan Growth (YoY) | -8.21% | -5.11% | -6.03% | 0.16% | -1.44% | -5.28% | -6.54% | -13.64% | -1,380 bps | |
| Deposit Growth (YoY) | 4.10% | 3.44% | 1.94% | 5.95% | 1.58% | 1.37% | -5.91% | -1.96% | -791 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 | 0.41% | 0.60% | 0.12% | 2.44% | 0.09% | -0.04% | 0.20% | 0.92% | -152 bps | |
| Allowance / Loans | 1.56% | 1.56% | 1.84% | 1.28% | 1.32% | 1.47% | 1.52% | 1.42% | +14 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 | 13.29% | 13.81% | 13.66% | 13.53% | 13.54% | 14.16% | 14.65% | 14.86% | +133 bps | |
| Equity / Assets | 6.69% | 7.05% | 6.88% | 6.93% | 6.91% | 7.20% | 7.36% | 7.13% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.71% | 63.02% | 58.71% | 60.68% | 60.85% | 58.89% | 58.32% | 53.45% | -723 bps | |
| Liquid Assets / Assets | 0.36% | 2.84% | 2.86% | 0.92% | 0.92% | 1.33% | 1.80% | 1.76% | +85 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |