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Community National Bank of Northwestern Pennsylvania

Albion, PA · Cert 10032

FDIC · 5 branches

Q3 2015

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: Q3 2015, the quarter ended September 30, 2015, 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 2026-10-11

Community National Bank of Northwestern Pennsylvania

Albion, PA · Cert 10032

FDIC · 5 branches

Q3 2015

$73.7MAssets
$32.5MLoans
$58.4MDeposits
$14.9MEquity
Loan mix
96%RE $31.1M1%C&I $0.5M3%Consumer $0.8MQ3 2014Q3 2015
Deposit mix
76%Interest-bearing $44.4M24%Noninterest $14.1MQ3 2014Q3 2015

NIM

3.33%Q3 ’133.23%Q3 ’143.28%Q3 ’15-1%+3%

Non-interest income vs. expense

2.08%Q3 ’132.11%Q3 ’143.84%Q3 ’15+4%+106%

Market Position · Erie, PA · 2015 SOD (annual) · 1.3% share · #8 of 12 inst. · $0.1B of $4.5B

Executive Summary

  • Earnings: ROA of -0.15%, down 98 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 19.88%.
  • Funding: loans stand at 55.68% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.15%-98 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+10 bps YoY

Efficiency Ratio (YTD, annualized)

111.07%+4,820 bps YoY

Tier 1 Leverage Ratio

19.88%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.83%0.83%0.77%1.00%-0.15%-98 bps
Return on Equity4.15%4.16%3.81%4.94%-0.74%-489 bps
Net Interest Margin2.88%2.88%2.89%3.06%2.98%+10 bps
Efficiency Ratio62.87%62.63%64.59%62.73%111.07%+4,820 bps
Non-Interest Burden1.63%1.63%1.73%1.76%3.36%+172 bps
Growth
Asset Growth (YoY)-0.05%0.49%-1.61%-2.46%-3.36%-331 bps
Loan Growth (YoY)-3.88%-1.31%-3.65%-4.98%-5.79%-191 bps
Deposit Growth (YoY)-0.12%0.02%-2.46%-3.75%-4.00%-388 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.02%0.01%+1 bps
Allowance / Loans1.14%1.14%1.16%0.92%0.94%-20 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a20.19%20.32%19.88%n/a
Total Risk-Based Capital53.85%53.85%55.44%56.58%54.11%+26 bps
Equity / Assets20.18%19.89%20.39%20.77%20.20%+2 bps
Liquidity & Funding
Loans / Deposits56.74%56.83%56.75%57.16%55.68%-106 bps
Liquid Assets / Assets50.63%51.05%51.51%51.29%51.91%+128 bps
CRE / Total Capitaln/an/an/an/an/an/an/a