Lancaster, PA · Cert 58166
FDIC
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 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.
Lancaster, PA · Cert 58166
FDIC
Q4 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 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.51% | 0.59% | 0.20% | 0.16% | 0.43% | 0.65% | 0.71% | +52 bps | |
| Return on Equity | 5.18% | 4.43% | 5.20% | 1.83% | 1.67% | 4.25% | 6.24% | 6.78% | +495 bps | |
| Net Interest Margin | 3.30% | 3.33% | 3.31% | 3.02% | 3.75% | 3.92% | 3.95% | 3.89% | +86 bps | |
| Efficiency Ratio | 66.28% | 69.25% | 67.57% | 78.28% | 87.82% | 80.15% | 74.77% | 72.84% | -544 bps | |
| Non-Interest Burden | 2.06% | 2.17% | 2.08% | 2.27% | 3.26% | 3.04% | 2.81% | 2.66% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.55% | 24.80% | 17.35% | 87.07% | 69.73% | 59.21% | 56.91% | -8.46% | -9,554 bps | |
| Loan Growth (YoY) | 15.08% | 20.20% | 32.03% | 93.62% | 78.82% | 66.97% | 56.92% | -6.54% | -10,016 bps | |
| Deposit Growth (YoY) | 27.00% | 24.80% | 20.68% | 91.86% | 75.59% | 63.12% | 59.38% | -8.29% | -10,015 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 | 0.09% | 0.23% | 0.19% | 0.21% | 0.11% | 0.52% | 0.42% | 0.34% | +13 bps | |
| Allowance / Loans | 0.93% | 0.94% | 0.95% | 0.63% | 0.72% | 0.58% | 0.57% | 0.61% | -3 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 | 14.90% | 14.11% | 13.16% | 11.79% | 12.59% | 12.90% | 13.06% | 13.36% | +158 bps | |
| Equity / Assets | 11.58% | 11.32% | 11.15% | 9.35% | 10.23% | 10.86% | 11.04% | 11.28% | +193 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.22% | 92.78% | 98.10% | 95.05% | 92.89% | 94.97% | 96.59% | 96.86% | +181 bps | |
| Liquid Assets / Assets | 4.59% | 2.50% | 0.67% | 6.66% | 2.76% | 1.10% | 3.34% | 3.95% | -271 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |