PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Prestige Community Bank

Newtown, PA · Cert 58600

FDIC

Q4 2007

$37.6MAssets
$2.1MLoans
$13.8MDeposits
$8.1MEquity

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of -5.97%; NIM at 1.56%.
  • Asset quality: problem loans at 0.00% of loans, with net charge-offs at 0.00%.
  • Funding: loans stand at 14.90% of deposits as of Q4 2007.

Financial Results

Return on Assets (YTD, annualized)

-5.97%

Net Interest Margin (YTD, annualized)

1.56%

Efficiency Ratio (YTD, annualized)

1203%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2007YoY ΔTrend
Earnings
Return on Assets-5.97%n/an/a
Return on Equityn/an/an/a
Net Interest Margin1.56%n/an/a
Efficiency Ratio1203%n/an/a
Non-Interest Burden18.74%n/an/a
Growth
Asset Growth (YoY)n/an/an/a
Loan Growth (YoY)n/an/an/a
Deposit Growth (YoY)n/an/an/a
Asset Quality
Nonperforming Loans / Loans0.00%n/an/a
Net Charge-Offs / Loans0.00%n/an/a
Allowance / Loans1.21%n/an/a
Allowance Coverage of NPLsn/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a
Total Risk-Based Capital79.83%n/an/a
Equity / Assets21.56%n/an/a
Liquidity & Funding
Loans / Deposits14.90%n/an/a
Liquid Assets / Assets0.00%n/an/a
CRE / Total Capitaln/an/an/a