Promistar Bank

Johnstown, PA · Cert 14501

FDIC

Q4 2001

$2.3BAssets

$1.6BLoans

$1.8BDeposits

$205.4MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of -0.82%, down 174 bps year over year; NIM at 3.80%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.35%.
Funding: loans stand at 89.08% of deposits as of Q4 2001.

Return on Assets (quarter, annualized)

-0.82%-174 bps YoY

Net Interest Margin (quarter, annualized)

3.80%

Efficiency Ratio (quarter, annualized)

77.53%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	Q4 2001	YoY Δ	Trend
Earnings
Return on Assets	1.14%	1.16%	1.12%	0.92%	0.92%	1.09%	0.99%	-0.82%	-174 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	13.00%	11.34%	-9.06%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	3.64%	3.59%	3.60%	3.80%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	62.40%	60.30%	63.70%	77.53%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	2.08%	1.92%	2.08%	2.81%	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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	0.36%	0.33%	0.49%	2.35%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	1.15%	1.12%	1.15%	1.46%	n/a
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	n/a	n/a	n/a	n/a	11.99%	11.90%	12.48%	12.90%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	8.59%	8.18%	9.23%	8.82%	n/a
Liquidity & Funding
Loans / Deposits	92.94%	91.11%	91.99%	90.07%	91.75%	91.54%	90.25%	89.08%	-99 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.04%	0.01%	0.03%	0.01%	+1 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a