Mount Joy, PA · Cert 7635
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Mount Joy, PA · Cert 7635
FDIC
Q1 2011
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | 0.02%1 | -0.05% | 0.08%1 | -0.33% | -0.15% | -0.28% | 0.22% | +14 bps | |
| Return on Equity | -1.16% | 0.28% | -0.59% | 0.92% | -3.97% | -1.82% | -3.37% | 2.56% | +164 bps | |
| Net Interest Margin | 2.42% | 2.53% | 2.61% | 2.71% | 2.75% | 2.91% | 3.11% | 3.20% | +48 bps | |
| Efficiency Ratio | 97.52% | 93.36% | 91.76% | 89.21% | 89.89% | 91.91% | 91.42% | 89.45% | +23 bps | |
| Non-Interest Burden | 2.34% | 2.30% | 2.32% | 2.32% | 2.38% | 2.60% | 2.75% | 2.77% | +44 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.50% | 1.45% | 0.87% | -2.19% | -2.75% | -6.51% | -8.63% | -8.77% | -658 bps | |
| Loan Growth (YoY) | -6.75% | -7.57% | -5.30% | -6.53% | -4.92% | -3.87% | -3.83% | -4.76% | +177 bps | |
| Deposit Growth (YoY) | 14.33% | 12.34% | 5.62% | 2.29% | -2.83% | -4.10% | -4.37% | -5.23% | -752 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 | 0.52% | 0.39% | 0.33% | 0.43% | 0.60% | 0.43% | 0.82% | 0.71% | +28 bps | |
| Allowance / Loans | 1.25% | 1.40% | 1.73% | 1.80% | 1.80% | 1.93% | 2.00% | 1.97% | +17 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 | 12.34% | 12.35% | 12.37% | 12.72% | 12.94% | 13.33% | 12.91% | 13.43% | +71 bps | |
| Equity / Assets | 7.86% | 8.33% | 8.34% | 8.27% | 8.02% | 8.68% | 8.62% | 8.66% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.16% | 82.53% | 83.72% | 79.81% | 80.40% | 82.72% | 84.19% | 80.21% | +40 bps | |
| Liquid Assets / Assets | 7.97% | 11.34% | 8.96% | 11.74% | 13.12% | 9.57% | 8.69% | 14.44% | +270 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |