PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pennsylvania State Bank

Camp Hill, PA · Cert 27517

FDIC

Q1 2007

$307.1MAssets
$197.4MLoans
$225.8MDeposits
$57.6MEquity
Loan mix
86%RE $134.6M13%C&I $20.6M1%Consumer $1.0MQ2 2005Q1 2007
Deposit mix
86%Interest-bearing $193.2M14%Noninterest $32.6MQ2 2005Q1 2007

Executive Summary

  • Earnings: ROA of 0.19%, down 16 bps year over year; NIM at 2.53%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Funding: loans stand at 87.43% of deposits as of Q1 2007.

Return on Assets (YTD, annualized)

0.19%-16 bps YoY

Net Interest Margin (YTD, annualized)

2.53%-33 bps YoY

Efficiency Ratio (YTD, annualized)

87.95%+1,086 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.56%Q1 ’055.22%Q1 ’065.45%Q1 ’07-11%-11%

Non-interest income vs. expense

2.66%Q1 ’052.53%Q1 ’062.51%Q1 ’07-11%+4%

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets0.54%0.56%0.54%0.35%0.27%0.31%0.31%0.19%-16 bps
Return on Equity2.53%2.65%2.56%1.73%1.38%1.59%1.57%0.99%-74 bps
Net Interest Margin3.10%3.05%2.99%2.85%2.78%2.75%2.74%2.53%-33 bps
Efficiency Ratio68.18%67.54%67.97%77.09%79.66%77.69%76.22%87.95%+1,086 bps
Non-Interest Burden2.30%2.24%2.20%2.10%2.15%2.06%2.00%2.19%+8 bps
Growth
Asset Growth (YoY)21.20%24.76%11.37%15.52%13.48%12.81%9.73%8.64%-688 bps
Loan Growth (YoY)15.34%15.27%17.17%21.72%20.81%15.16%7.61%1.49%-2,022 bps
Deposit Growth (YoY)-4.14%2.63%3.89%11.29%23.22%23.31%29.38%34.80%+2,352 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 / Loans0.23%0.16%0.12%0.10%0.05%0.19%0.36%-0.04%-14 bps
Allowance / Loans1.04%1.03%1.00%1.01%1.08%1.08%1.10%1.15%+14 bps
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 Capital11.38%11.68%11.63%10.94%11.33%11.49%11.93%11.86%+92 bps
Equity / Assets21.71%20.95%20.50%19.68%19.65%19.19%19.36%18.76%-93 bps
Liquidity & Funding
Loans / Deposits107.59%103.63%111.55%116.13%105.48%96.78%92.77%87.43%-2,870 bps
Liquid Assets / Assets0.10%0.19%0.18%0.08%0.14%0.09%0.12%0.07%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a