Blue Ball, PA · Cert 7411
FDIC
Q2 2005
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.49% | 1.43% | 1.54% | 1.35% | 1.33% | 1.24% | 1.29% | -0.13% | -149 bps | |
| Return on Equity | 19.56% | 18.67% | 19.33% | 17.12% | 16.46% | 15.16% | 15.25% | -1.63% | -1,875 bps | |
| Net Interest Margin | 3.35% | 3.31% | 3.30% | 3.27% | 3.17% | 3.16% | 3.18% | 3.25% | -2 bps | |
| Efficiency Ratio | 55.41% | 55.26% | 56.25% | 59.72% | 60.40% | 60.50% | 63.18% | 99.21% | +3,948 bps | |
| Non-Interest Burden | 1.41% | 1.38% | 1.45% | 1.55% | 1.50% | 1.52% | 1.68% | 3.22% | +167 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.18% | 10.04% | 8.85% | 8.49% | 6.01% | 6.97% | 10.90% | 7.26% | -123 bps | |
| Loan Growth (YoY) | 17.81% | 17.05% | 16.15% | 12.88% | 7.37% | 8.67% | 16.13% | 16.04% | +316 bps | |
| Deposit Growth (YoY) | 0.62% | 5.49% | 10.65% | 10.93% | 11.14% | 5.68% | 4.59% | 8.54% | -239 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | 0.05% | 0.00% | 0.03% | 0.03% | 0.00% | 0.24% | +24 bps | |
| Allowance / Loans | 1.17% | 1.21% | 1.25% | 1.26% | 1.21% | 1.16% | 1.09% | 1.15% | -11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 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 | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.35% | 11.37% | 11.77% | 11.50% | 11.47% | 11.12% | 11.18% | 10.33% | -117 bps | |
| Equity / Assets | 7.46% | 7.82% | 8.14% | 7.75% | 8.71% | 8.42% | 8.47% | 7.97% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.91% | 91.18% | 88.29% | 90.30% | 89.76% | 93.77% | 98.04% | 96.54% | +624 bps | |
| Liquid Assets / Assets | 0.45% | 0.52% | 0.36% | 0.48% | 0.38% | 0.36% | 0.38% | 0.41% | -7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |