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Pennsylvania Capital Bank, The

Pittsburgh, PA · Cert 33117

FDIC

Q2 2001

$139.3MAssets
$85.4MLoans
$128.6MDeposits
$10.5MEquity
Loan mix
26%RE $8.8M72%C&I $24.7M2%Consumer $0.8MQ2 2000Q2 2001
Deposit mix
98%Interest-bearing $125.4M2%Noninterest $3.2MQ2 2000Q2 2001

NIM

7.62%Q1 ’017.34%Q2 ’01-1%

Non-interest income vs. expense

2.88%Q1 ’017.13%Q2 ’01+167%

Executive Summary

  • Earnings: ROA of -1.36%, down 206 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.20%.
  • Funding: loans stand at 66.39% of deposits as of Q2 2001.

Financial Results

Return on Assets (quarter, annualized)

-1.36%-206 bps YoY

Net Interest Margin (quarter, annualized)

3.37%

Efficiency Ratio (quarter, annualized)

182.55%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets0.70%0.71%0.78%0.65%-1.36%-206 bps
Return on Equityn/an/an/an/a-18.10%n/an/a
Net Interest Marginn/an/an/a3.41%3.37%n/a
Efficiency Ration/an/an/a75.38%182.55%n/a
Non-Interest Burdenn/an/an/a2.47%6.59%n/a
Growth
Asset Growth (YoY)15.35%3.76%6.90%4.14%-5.08%-2,043 bps
Loan Growth (YoY)15.24%9.18%12.20%5.96%-0.49%-1,574 bps
Deposit Growth (YoY)4.88%2.46%8.28%13.58%7.61%+273 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.37%-0.20%n/a
Allowance / Loansn/an/an/a2.10%2.27%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/an/an/a12.72%12.75%n/a
Equity / Assetsn/an/an/a7.46%7.52%n/a
Liquidity & Funding
Loans / Deposits71.80%64.27%65.81%65.51%66.39%-541 bps
Liquid Assets / Assets0.00%0.00%0.00%10.65%26.64%+2,664 bps
CRE / Total Capitaln/an/an/an/an/an/an/a