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Vantage Point Bank

Fort Washington, PA · Cert 58531

FDIC

Q4 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2013, the quarter ended December 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Vantage Point Bank

Fort Washington, PA · Cert 58531

FDIC

Q4 2013

$63.5MAssets
$44.1MLoans
$62.5MDeposits
$668KEquity
Loan mix
90%RE $35.9M9%C&I $3.7M0%Consumer $0.0MQ4 2012Q4 2013
Deposit mix
95%Interest-bearing $59.6M5%Noninterest $2.9MQ4 2012Q4 2013

NIM

3.99%Q4 ’114.09%Q4 ’123.93%Q4 ’13+13%-6%

Non-interest income vs. expense

8.32%Q4 ’1118.90%Q4 ’1222.35%Q4 ’13-2%+108%

Executive Summary

  • Earnings: ROA of -4.97%, down 178 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.20%.
  • Funding: loans stand at 70.63% of deposits as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

-4.97%-178 bps YoY

Net Interest Margin (YTD, annualized)

2.77%-17 bps YoY

Efficiency Ratio (YTD, annualized)

124.85%+2,195 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-3.19%-1.60%-1.30%-2.96%-4.97%-178 bps
Return on Equity-40.72%-29.27%-24.77%-60.59%-117.19%-7,647 bps
Net Interest Margin2.94%2.75%2.60%2.58%2.77%-17 bps
Efficiency Ratio102.91%113.03%107.42%112.06%124.85%+2,195 bps
Non-Interest Burden3.47%5.23%4.12%4.91%7.22%+374 bps
Growth
Asset Growth (YoY)2.82%-6.48%0.39%-21.13%-21.27%-2,409 bps
Loan Growth (YoY)11.89%3.10%-3.29%-38.95%-33.42%-4,531 bps
Deposit Growth (YoY)-4.33%8.57%18.22%11.81%-3.77%+56 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.95%0.19%0.42%0.95%1.20%+25 bps
Allowance / Loans0.68%0.66%0.82%1.08%1.46%+78 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital8.90%8.18%8.54%7.34%3.11%-579 bps
Equity / Assets5.65%5.30%4.77%3.70%1.05%-460 bps
Liquidity & Funding
Loans / Deposits102.07%87.51%79.13%65.91%70.63%-3,144 bps
Liquid Assets / Assets0.79%0.76%0.73%14.30%9.79%+901 bps
CRE / Total Capitaln/an/an/an/an/an/an/a