West Chester, PA · Cert 7802
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 1.09% | 0.13% | -1.20% | -7.58% | -0.33% | 0.42% | 0.11% | +132 bps | |
| Return on Equity | 7.09% | 13.96% | 1.68% | -15.68% | -99.58% | -4.34% | 5.12% | 1.30% | +1,698 bps | |
| Net Interest Margin | 3.38% | 3.11% | 3.45% | 3.63% | 3.63% | 3.01% | 3.47% | 3.71% | +9 bps | |
| Efficiency Ratio | 72.14% | 73.81% | 80.59% | 84.24% | 130.70% | 102.77% | 92.13% | 92.96% | +872 bps | |
| Non-Interest Burden | 2.32% | 1.08% | 1.78% | 2.35% | 6.00% | 3.20% | 2.79% | 3.14% | +79 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 42.37% | 33.09% | 48.78% | 30.86% | 6.01% | -3.26% | -19.48% | -13.19% | -4,405 bps | |
| Loan Growth (YoY) | 38.68% | 50.31% | 64.18% | 41.95% | 7.14% | -12.47% | -19.91% | -13.68% | -5,563 bps | |
| Deposit Growth (YoY) | 43.68% | 38.21% | 38.77% | 28.94% | 9.52% | 2.25% | -2.42% | -1.59% | -3,053 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 | 0.11% | 0.11% | 0.25% | 1.08% | 6.01% | 0.44% | 0.45% | -0.06% | -114 bps | |
| Allowance / Loans | 1.00% | 1.00% | 1.20% | 2.05% | 2.10% | 2.27% | 2.08% | 2.23% | +18 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 | 10.42% | 10.80% | 10.45% | 10.63% | 11.74% | 12.48% | 12.54% | 12.99% | +235 bps | |
| Equity / Assets | 7.79% | 7.79% | 7.43% | 7.95% | 7.30% | 7.73% | 8.69% | 8.97% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.48% | 107.39% | 127.02% | 116.42% | 99.28% | 91.93% | 104.26% | 102.12% | -1,430 bps | |
| Liquid Assets / Assets | 5.04% | 2.83% | 0.34% | 0.11% | 9.02% | 14.68% | 2.03% | 3.39% | +328 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |