Pennsylvania Capital Bank, The

Pittsburgh, PA · Cert 33117

FDIC

Q2 2001

$139.3MAssets

$85.4MLoans

$128.6MDeposits

$10.5MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of -0.34%, down 105 bps year over year; NIM at 3.45%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
Funding: loans stand at 66.39% of deposits as of Q2 2001.

Return on Assets (YTD, annualized)

-0.34%-105 bps YoY

Net Interest Margin (YTD, annualized)

3.45%

Efficiency Ratio (YTD, annualized)

128.64%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	0.25%	0.26%	0.58%	0.70%	0.71%	0.78%	0.65%	-0.34%	-105 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	3.41%	3.45%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	75.38%	128.64%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	2.47%	4.57%	n/a
Growth
Asset Growth (YoY)	-19.32%	-14.36%	19.28%	15.35%	3.76%	6.90%	4.14%	-5.08%	-2,043 bps
Loan Growth (YoY)	7.10%	-1.52%	11.84%	15.24%	9.18%	12.20%	5.96%	-0.49%	-1,574 bps
Deposit Growth (YoY)	-20.21%	-18.11%	9.57%	4.88%	2.46%	8.28%	13.58%	7.61%	+273 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	0.37%	0.10%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	2.10%	2.27%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	12.72%	12.75%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	7.46%	7.52%	n/a
Liquidity & Funding
Loans / Deposits	60.31%	63.51%	70.23%	71.80%	64.27%	65.81%	65.51%	66.39%	-541 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	10.65%	26.64%	+2,664 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a