Wyomissing, PA · Cert 57492
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Wyomissing, PA · Cert 57492
FDIC
Q2 2011
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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | -0.28% | -0.86% | -0.99% | -0.92% | -99 bps | |
| Return on Equity | 0.89% | -3.51% | -10.75% | -13.05% | -12.40% | -1,328 bps | |
| Net Interest Margin | 3.23% | 3.35% | 3.48% | 3.30% | 3.20% | -2 bps | |
| Efficiency Ratio | 96.89% | 101.48% | 103.62% | 125.69% | 125.04% | +2,816 bps | |
| Non-Interest Burden | 3.11% | 3.40% | 3.93% | 4.21% | 4.05% | +94 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.49% | -1.66% | -6.54% | -8.00% | -6.79% | -1,528 bps | |
| Loan Growth (YoY) | -1.87% | -5.41% | -2.92% | -4.28% | -3.56% | -169 bps | |
| Deposit Growth (YoY) | 21.94% | 8.01% | -3.84% | -4.09% | -4.58% | -2,652 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.70% | 0.62% | 0.68% | 0.92% | 0.49% | -21 bps | |
| Allowance / Loans | 1.21% | 1.29% | 1.48% | 1.28% | 1.32% | +12 bps | |
| 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 | 11.57% | 11.22% | 10.91% | 10.62% | 10.56% | -101 bps | |
| Equity / Assets | 8.04% | 8.14% | 7.72% | 7.41% | 7.15% | -89 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.45% | 88.36% | 87.58% | 86.04% | 83.33% | +88 bps | |
| Liquid Assets / Assets | 4.26% | 3.50% | 3.23% | 3.38% | 2.19% | -208 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |