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Hometowne Heritage Bank

Intercourse, PA · Cert 35104

FDIC

Q3 2003

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: Q3 2003, the quarter ended September 30, 2003, 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

Hometowne Heritage Bank

Intercourse, PA · Cert 35104

FDIC

Q3 2003

$154.9MAssets
$143.2MLoans
$124.9MDeposits
$14.7MEquity
Loan mix
87%RE $89.3M13%C&I $13.0M0%Consumer $0.1MQ3 2002Q3 2003
Deposit mix
92%Interest-bearing $114.8M8%Noninterest $10.2MQ3 2002Q3 2003

NIM

6.61%Q3 ’015.37%Q3 ’025.20%Q3 ’03-7%+14%

Non-interest income vs. expense

2.37%Q3 ’012.14%Q3 ’022.15%Q3 ’03-10%-3%

Executive Summary

  • Earnings: ROA of 0.71%, up 17 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 114.59% of deposits as of Q3 2003.

Financial Results

Return on Assets (YTD, annualized)

0.71%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.29%+42 bps YoY

Efficiency Ratio (YTD, annualized)

61.44%-971 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets0.54%0.55%0.64%0.68%0.71%+17 bps
Return on Equity4.06%4.31%5.91%6.50%6.90%+285 bps
Net Interest Margin2.87%2.85%3.46%3.31%3.29%+42 bps
Efficiency Ratio71.14%69.69%58.43%59.80%61.44%-971 bps
Non-Interest Burden2.00%1.94%1.95%1.90%1.93%-7 bps
Growth
Asset Growth (YoY)44.49%45.21%46.06%30.71%31.02%-1,347 bps
Loan Growth (YoY)42.63%48.51%50.60%50.27%54.37%+1,174 bps
Deposit Growth (YoY)48.49%49.77%42.97%27.14%23.09%-2,540 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.25%1.22%1.24%1.29%1.25%0 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 Capital15.53%14.24%12.69%11.90%11.09%-444 bps
Equity / Assets11.67%11.29%10.37%10.01%9.47%-220 bps
Liquidity & Funding
Loans / Deposits91.37%100.08%108.10%109.86%114.59%+2,322 bps
Liquid Assets / Assets0.64%0.61%0.00%0.00%0.04%-60 bps
CRE / Total Capitaln/an/an/an/an/an/an/a