PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Susquehanna Bank

Baltimore, MD · Cert 29973

FDIC

Q1 2005

$1.4BAssets
$1.1BLoans
$870.1MDeposits
$116.0MEquity
Loan mix
84%RE $403.5M16%C&I $75.8M0%Consumer $0.7MQ1 2004Q1 2005
Deposit mix
88%Interest-bearing $761.7M12%Noninterest $108.3MQ1 2004Q1 2005

NIM

5.49%Q1 ’034.81%Q1 ’045.24%Q1 ’05-8%+9%

Non-interest income vs. expense

2.17%Q1 ’032.17%Q1 ’042.14%Q1 ’05+7%-7%

Executive Summary

  • Earnings: ROA of 0.98%, up 18 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 128.68% of deposits as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

0.98%+18 bps YoY

Net Interest Margin (YTD, annualized)

2.95%+25 bps YoY

Efficiency Ratio (YTD, annualized)

59.10%-694 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets0.81%0.75%0.75%0.91%0.98%+18 bps
Return on Equity9.55%9.06%9.23%11.20%11.97%+243 bps
Net Interest Margin2.70%2.62%2.60%2.65%2.95%+25 bps
Efficiency Ratio66.04%66.09%65.81%60.90%59.10%-694 bps
Non-Interest Burden1.60%1.54%1.53%1.34%1.49%-11 bps
Growth
Asset Growth (YoY)1.85%11.82%9.04%10.13%6.18%+433 bps
Loan Growth (YoY)8.93%15.90%6.91%9.52%3.29%-565 bps
Deposit Growth (YoY)7.56%10.87%16.02%10.50%3.07%-449 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.05%0.07%0.06%0.04%-5 bps
Allowance / Loans0.78%0.80%0.77%0.78%0.86%+7 bps
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 Capital11.49%10.94%10.46%10.52%10.91%-57 bps
Equity / Assets8.56%7.89%7.82%8.03%8.43%-13 bps
Liquidity & Funding
Loans / Deposits128.41%127.25%126.34%132.84%128.68%+27 bps
Liquid Assets / Assets0.11%0.23%0.03%0.02%0.03%-8 bps
CRE / Total Capitaln/an/an/an/an/an/an/a