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Second National Bank of Masontown, The

Masontown, PA · Cert 15107

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

Second National Bank of Masontown, The

Masontown, PA · Cert 15107

FDIC

Q4 2001

$193.7MAssets
$122.1MLoans
$155.7MDeposits
$26.3MEquity
Loan mix
89%RE $82.9M11%C&I $10.0M1%Consumer $0.6MQ4 2000Q4 2001
Deposit mix
80%Interest-bearing $124.7M20%Noninterest $31.0MQ4 2000Q4 2001

NIM

7.06%Q1 ’016.58%Q3 ’016.59%Q4 ’01-6%+3%

Non-interest income vs. expense

2.44%Q1 ’012.44%Q3 ’012.48%Q4 ’010%+1%

Executive Summary

  • Earnings: ROA of 1.24%, down 2 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Funding: loans stand at 78.42% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

1.24%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.77%

Efficiency Ratio (YTD, annualized)

57.71%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.26%1.36%1.29%1.22%1.24%-2 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a3.92%3.73%3.67%3.77%n/a
Efficiency Ration/a55.19%57.22%58.28%57.71%n/a
Non-Interest Burdenn/a1.93%1.92%1.93%1.95%n/a
Growth
Asset Growth (YoY)0.62%5.41%7.60%10.25%5.68%+507 bps
Loan Growth (YoY)7.89%4.62%5.13%3.54%5.55%-234 bps
Deposit Growth (YoY)2.29%5.85%6.34%7.21%3.19%+89 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.05%0.03%0.07%0.07%n/a
Allowance / Loansn/a1.42%1.44%1.41%1.42%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/a21.68%21.69%21.61%22.27%n/a
Equity / Assetsn/a12.98%12.51%12.97%13.59%n/a
Liquidity & Funding
Loans / Deposits76.66%76.62%76.03%75.92%78.42%+176 bps
Liquid Assets / Assets0.00%0.17%0.14%0.14%0.15%+15 bps
CRE / Total Capitaln/an/an/an/an/an/an/a