Newtown, PA · Cert 58600
FDIC
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, 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.
Newtown, PA · Cert 58600
FDIC
Q4 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 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|
| Earnings | |||
| Return on Assets | -5.97% | n/a | n/a |
| Return on Equity | n/a | n/a | n/a |
| Net Interest Margin | 1.56% | n/a | n/a |
| Efficiency Ratio | 1203% | n/a | n/a |
| Non-Interest Burden | 18.74% | n/a | n/a |
| Growth | |||
| Asset Growth (YoY) | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a |
| Asset Quality | |||
| Nonperforming Loans / Loans | 0.00% | n/a | n/a |
| Net Charge-Offs / Loans | 0.00% | n/a | n/a |
| Allowance / Loans | 1.21% | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a |
| Capital | |||
| Tier 1 Leverage Ratio | n/a | n/a | n/a |
| Total Risk-Based Capital | 79.83% | n/a | n/a |
| Equity / Assets | 21.56% | n/a | n/a |
| Liquidity & Funding | |||
| Loans / Deposits | 14.90% | n/a | n/a |
| Liquid Assets / Assets | 0.00% | n/a | n/a |
| CRE / Total Capital | n/a | n/a | n/a |