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Cresson Community Bank

Cresson, PA · Cert 28134

FDIC · 1 branch

Q4 2015

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 2015, the quarter ended December 31, 2015, 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

Cresson Community Bank

Cresson, PA · Cert 28134

FDIC · 1 branch

Q4 2015

$59.1MAssets
$19.0MLoans
$50.8MDeposits
$7.4MEquity
Loan mix
86%RE $15.6M2%C&I $0.3M12%Consumer $2.2MQ4 2014Q4 2015
Deposit mix
100%Interest-bearing $50.7M0%Noninterest $0.1MQ4 2014Q4 2015

NIM

3.04%Q4 ’133.01%Q4 ’142.99%Q4 ’15+2%+1%

Non-interest income vs. expense

1.69%Q4 ’131.91%Q4 ’142.08%Q4 ’15+14%+10%

Market Position · Johnstown, PA · 2015 SOD (annual) · 1.8% share · #10 of 15 inst. · $0.1B of $2.8B

Executive Summary

  • Earnings: ROA of 0.41%, up 5 bps year over year; NIM at 2.18%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 12.61%.
  • Funding: loans stand at 37.33% of deposits as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

0.41%+5 bps YoY

Net Interest Margin (YTD, annualized)

2.18%+3 bps YoY

Efficiency Ratio (YTD, annualized)

89.34%+666 bps YoY

Tier 1 Leverage Ratio

12.61%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.36%0.53%10.40%10.35%0.41%+5 bps
Return on Equity3.09%4.38%3.28%2.84%3.34%+25 bps
Net Interest Margin2.15%2.10%2.19%2.20%2.18%+3 bps
Efficiency Ratio82.67%97.63%91.04%89.90%89.34%+666 bps
Non-Interest Burden1.75%2.04%1.99%1.96%1.93%+18 bps
Growth
Asset Growth (YoY)-0.07%-1.21%0.80%-3.48%-1.09%-102 bps
Loan Growth (YoY)-3.85%-5.93%-7.86%-9.25%-10.22%-638 bps
Deposit Growth (YoY)0.77%-0.72%1.78%-3.85%-1.16%-193 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.23%0.31%0.42%0.28%0.21%-2 bps
Allowance / Loans0.55%0.57%0.49%0.52%0.53%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a12.00%12.08%12.36%12.61%n/a
Total Risk-Based Capital31.92%32.76%38.53%38.14%37.28%+536 bps
Equity / Assets12.01%12.03%12.17%12.44%12.53%+52 bps
Liquidity & Funding
Loans / Deposits41.10%39.42%38.60%38.13%37.33%-377 bps
Liquid Assets / Assets60.08%61.56%62.58%62.37%63.11%+303 bps
CRE / Total Capitaln/an/an/an/an/an/an/a