Harleysville, PA · Cert 7516
FDIC
Q1 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | -7.94% | -5.48% | -4.02% | -0.50% | -91 bps | |
| Return on Equity | 4.09% | -90.69% | -66.66% | -49.75% | -6.69% | -1,079 bps | |
| Net Interest Margin | 2.63% | 2.55% | 2.70% | 2.61% | 2.22% | -41 bps | |
| Efficiency Ratio | 71.63% | 71.54% | 74.32% | 75.38% | 87.50% | +1,586 bps | |
| Non-Interest Burden | 1.66% | 9.24% | 7.33% | 5.90% | 1.92% | +26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 45.23% | 34.54% | 30.99% | -5.43% | -8.66% | -5,390 bps | |
| Loan Growth (YoY) | 45.68% | 37.46% | 28.01% | -18.77% | -21.24% | -6,692 bps | |
| Deposit Growth (YoY) | 38.62% | 39.58% | 30.58% | 0.15% | -4.84% | -4,346 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.44% | 1.09% | 1.09% | 1.39% | 1.52% | +107 bps | |
| Allowance / Loans | 1.47% | 2.05% | 2.38% | 2.23% | 2.43% | +96 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 9.07% | 8.95% | 9.15% | 11.65% | 12.00% | +292 bps | |
| Equity / Assets | 9.77% | 6.26% | 6.54% | 7.54% | 7.47% | -230 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.14% | 85.86% | 82.31% | 75.75% | 72.12% | -1,502 bps | |
| Liquid Assets / Assets | 6.26% | 7.53% | 10.97% | 12.64% | 17.24% | +1,099 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |