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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

7.07%Q3 ’015.73%Q3 ’025.42%Q3 ’03-4%+13%

Non-interest income vs. expense

2.65%Q3 ’012.36%Q3 ’022.43%Q3 ’03-12%-1%

Executive Summary

  • Earnings: ROA of 0.75%, up 22 bps year over year; NIM at 3.51%.
  • 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 (quarter, annualized)

0.75%+22 bps YoY

Net Interest Margin (quarter, annualized)

3.51%+41 bps YoY

Efficiency Ratio (quarter, annualized)

64.36%-793 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets0.53%0.58%0.64%0.72%0.75%+22 bps
Return on Equity4.44%5.07%5.91%7.08%7.70%+326 bps
Net Interest Margin3.10%3.30%3.46%3.46%3.51%+41 bps
Efficiency Ratio72.29%66.12%58.43%61.02%64.36%-793 bps
Non-Interest Burden2.19%2.13%1.95%2.01%2.16%-3 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