PackageTrendsPeer
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Promistar Bank

Johnstown, PA · Cert 14501

FDIC

Q4 2001

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: Q4 2001, the quarter ended December 31, 2001, 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

Promistar Bank

Johnstown, PA · Cert 14501

FDIC

Q4 2001

$2.3BAssets
$1.6BLoans
$1.8BDeposits
$205.4MEquity
Loan mix
69%RE $555.8M28%C&I $222.0M3%Consumer $22.7MQ1 2000Q4 2001
Deposit mix
84%Interest-bearing $1.5B16%Noninterest $0.3BQ1 2000Q4 2001

Executive Summary

  • Earnings: ROA of 0.51%, down 41 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.87%.
  • Funding: loans stand at 89.08% of deposits as of Q4 2001.

Return on Assets (YTD, annualized)

0.51%-41 bps YoY

Net Interest Margin (YTD, annualized)

3.39%

Efficiency Ratio (YTD, annualized)

66.48%

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.29%Q1 ’016.67%Q3 ’016.50%Q4 ’01-7%+0%

Non-interest income vs. expense

2.59%Q1 ’012.44%Q3 ’012.62%Q4 ’01-9%+9%

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.14%1.16%1.12%0.92%0.92%1.00%0.99%0.51%-41 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.64%3.58%3.38%3.39%n/a
Efficiency Ration/an/an/an/a62.40%61.33%62.18%66.48%n/a
Non-Interest Burdenn/an/an/an/a2.08%1.98%1.90%2.07%n/a
Growth
Asset Growth (YoY)18.72%13.50%-2.50%-0.11%2.85%5.24%16.46%13.90%+1,400 bps
Loan Growth (YoY)16.23%7.72%-1.85%0.08%2.51%3.21%9.99%7.37%+729 bps
Deposit Growth (YoY)16.31%16.74%2.95%4.35%3.84%2.72%12.11%8.56%+421 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.36%0.34%0.37%0.87%n/a
Allowance / Loansn/an/an/an/a1.15%1.12%1.15%1.46%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a11.99%11.90%12.48%12.90%n/a
Equity / Assetsn/an/an/an/a8.59%8.18%9.23%8.82%n/a
Liquidity & Funding
Loans / Deposits92.94%91.11%91.99%90.07%91.75%91.54%90.25%89.08%-99 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.04%0.01%0.03%0.01%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a