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Monument Bank

Doylestown, PA · Cert 58757

FDIC · 2 branches

Q1 2019

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: Q1 2019, the quarter ended March 31, 2019, 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 2026-10-12

Monument Bank

Doylestown, PA · Cert 58757

FDIC · 2 branches

Q1 2019

$376.3MAssets
$263.3MLoans
$224.9MDeposits
$33.0MEquity
Loan mix
98%RE $204.0M2%C&I $4.1M0%Consumer $1.0MQ1 2018Q1 2019
Deposit mix
90%Interest-bearing $201.5M10%Noninterest $23.4MQ1 2018Q1 2019

NIM

3.90%Q1 ’174.11%Q1 ’184.44%Q1 ’19+2%-9%

Non-interest income vs. expense

1.98%Q1 ’172.03%Q1 ’181.79%Q1 ’19+5%-11%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2018 SOD (annual) · 0.0% share · #53 of 117 inst. · $0.2B of $486.3B

Executive Summary

  • Earnings: ROA of 0.68%, down 79 bps year over year; NIM at 2.65%.
  • Asset quality: problem loans at 0.18% of loans (-32 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.11%, down 98 bps from a year ago.
  • Funding: loans stand at 117.07% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

0.68%-79 bps YoY

Net Interest Margin (YTD, annualized)

2.65%-27 bps YoY

Efficiency Ratio (YTD, annualized)

67.14%-163 bps YoY

Tier 1 Leverage Ratio

9.11%-98 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets1.47%1.21%0.82%0.82%0.68%-79 bps
Return on Equity15.39%12.77%8.74%8.84%7.72%-768 bps
Net Interest Margin2.92%2.99%2.82%2.76%2.65%-27 bps
Efficiency Ratio68.77%65.28%69.37%68.43%67.14%-163 bps
Non-Interest Burden2.00%1.96%2.01%1.93%1.77%-22 bps
Growth
Asset Growth (YoY)2.33%11.56%12.77%11.43%16.93%+1,461 bps
Loan Growth (YoY)9.77%6.81%8.63%6.18%9.21%-56 bps
Deposit Growth (YoY)7.00%18.90%26.09%12.38%3.03%-398 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.40%0.27%0.19%0.18%-32 bps
Net Charge-Offs / Loans0.00%0.00%0.13%0.12%0.00%0 bps
Allowance / Loans1.07%1.09%1.08%1.08%1.07%0 bps
Allowance Coverage of NPLs2.1x2.7x4.0x5.8x6.0x+3.9x
Capital
Tier 1 Leverage Ratio10.09%9.70%9.18%9.10%9.11%-98 bps
Total Risk-Based Capital17.07%16.55%15.60%15.73%15.63%-143 bps
Equity / Assets9.92%9.35%9.02%8.84%8.78%-114 bps
Liquidity & Funding
Loans / Deposits110.44%101.16%98.88%109.05%117.07%+663 bps
Liquid Assets / Assets2.91%0.38%0.41%0.45%0.39%-252 bps
CRE / Total Capitaln/an/an/an/an/an/an/a