PackageTrendsPeer
Letter portraitLegal landscape

Main Street Bank

Reading, PA · Cert 27104

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

Main Street Bank

Reading, PA · Cert 27104

FDIC

Q4 2001

$1.5BAssets
$851.3MLoans
$1.3BDeposits
$102.5MEquity
Loan mix
67%RE $347.7M31%C&I $162.9M2%Consumer $9.7MQ4 2000Q4 2001
Deposit mix
95%Interest-bearing $1.2B5%Noninterest $0.1BQ4 2000Q4 2001

NIM

7.11%Q1 ’016.66%Q3 ’016.71%Q4 ’01-1%+5%

Non-interest income vs. expense

2.85%Q1 ’012.79%Q3 ’012.88%Q4 ’01-4%+2%

Executive Summary

  • Earnings: ROA of 0.82%, up 97 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.32%.
  • Funding: loans stand at 66.82% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

0.82%+97 bps YoY

Net Interest Margin (YTD, annualized)

3.25%

Efficiency Ratio (YTD, annualized)

72.77%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets-0.14%0.95%10.89%0.83%0.82%+97 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a3.12%3.05%3.10%3.25%n/a
Efficiency Ration/a75.75%75.33%74.28%72.77%n/a
Non-Interest Burdenn/a2.21%2.15%2.13%2.17%n/a
Growth
Asset Growth (YoY)0.31%-3.13%4.18%2.80%2.83%+252 bps
Loan Growth (YoY)24.20%19.95%12.03%7.12%2.53%-2,167 bps
Deposit Growth (YoY)27.65%19.80%21.09%10.58%-2.91%-3,055 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.25%0.36%0.34%0.32%n/a
Allowance / Loansn/a1.36%1.34%1.40%1.52%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/a10.63%10.50%10.75%11.61%n/a
Equity / Assetsn/a6.34%5.98%6.52%6.65%n/a
Liquidity & Funding
Loans / Deposits63.28%64.12%62.16%63.12%66.82%+354 bps
Liquid Assets / Assets0.00%11.59%11.42%11.82%8.69%+869 bps
CRE / Total Capitaln/an/an/an/an/an/an/a