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 0.51%, 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

Year to date, annualized, through each quarter.

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%	1.00%	0.99%	0.51%	-41 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	3.64%	3.58%	3.38%	3.39%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	62.40%	61.33%	62.18%	66.48%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	2.08%	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 / 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%	0.34%	0.37%	0.87%	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