Wyomissing, PA · Cert 57478
FDIC
Q4 2012
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 | 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% | 0.01% | -0.09% | 0.03%1 | -0.29% | -0.10% | -0.13% | -0.16% | -20 bps | |
| Return on Equity | -1.03% | 0.20% | -1.26% | 0.49% | -4.25% | -1.46% | -1.78% | -2.28% | -277 bps | |
| Net Interest Margin | 2.81% | 2.91% | 2.79% | 2.74% | 2.88% | 2.87% | 2.81% | 2.78% | +3 bps | |
| Efficiency Ratio | 93.59% | 90.07% | 90.40% | 89.14% | 105.57% | 98.96% | 99.97% | 101.39% | +1,225 bps | |
| Non-Interest Burden | 2.65% | 2.63% | 2.54% | 2.46% | 3.07% | 2.86% | 2.83% | 2.84% | +39 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% | 0.51% | 0.39% | 0.89% | 0.09% | 0.03% | 0.09% | 0.30% | -60 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 |