Chester Springs, PA · Cert 58332
FDIC
Q1 2007
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 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|
| Earnings | |||||
| Return on Assets | -4.62% | -3.73% | -2.18% | n/a | |
| Return on Equity | n/a | n/a | -12.12% | n/a | n/a |
| Net Interest Margin | 1.06% | 1.19% | 3.28% | n/a | |
| Efficiency Ratio | 807% | 413% | 210% | n/a | |
| Non-Interest Burden | 8.58% | 5.15% | 7.27% | n/a | |
| Growth | |||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | n/a | |
| Allowance / Loans | 2.55% | 1.36% | 1.82% | n/a | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 183.55% | 93.67% | 41.34% | n/a | |
| Equity / Assets | 53.20% | 39.24% | 11.55% | n/a | |
| Liquidity & Funding | |||||
| Loans / Deposits | 16.29% | 43.81% | 10.77% | n/a | |
| Liquid Assets / Assets | 0.56% | 0.86% | 79.23% | n/a | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a |