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Legacy Bank of Harrisburg, The

Harrisburg, PA · Cert 35204

FDIC

Q1 2006

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: Q1 2006, the quarter ended March 31, 2006, 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

Legacy Bank of Harrisburg, The

Harrisburg, PA · Cert 35204

FDIC

Q1 2006

$370.5MAssets
$295.9MLoans
$256.8MDeposits
$37.5MEquity
Loan mix
25%RE $58.5M75%C&I $174.7M0%Consumer $0.1MQ1 2005Q1 2006
Deposit mix
86%Interest-bearing $222.1M14%Noninterest $34.7MQ1 2005Q1 2006

NIM

5.14%Q1 ’045.18%Q1 ’055.96%Q1 ’06-10%+8%

Non-interest income vs. expense

3.72%Q1 ’043.20%Q1 ’053.15%Q1 ’06-20%+10%

Executive Summary

  • Earnings: ROA of 0.48%, down 2 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.31%.
  • Funding: loans stand at 115.22% of deposits as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

0.48%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.38%+26 bps YoY

Efficiency Ratio (YTD, annualized)

76.93%-123 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets0.51%0.45%0.47%0.28%0.48%-2 bps
Return on Equity4.68%4.28%4.56%2.70%4.82%+13 bps
Net Interest Margin3.11%3.11%3.04%3.06%3.38%+26 bps
Efficiency Ratio78.16%79.60%77.66%79.53%76.93%-123 bps
Non-Interest Burden2.28%2.37%2.27%2.35%2.51%+23 bps
Growth
Asset Growth (YoY)12.79%22.00%19.71%8.28%8.59%-420 bps
Loan Growth (YoY)9.45%21.45%14.24%15.15%15.12%+567 bps
Deposit Growth (YoY)13.83%28.65%17.03%15.75%-5.67%-1,950 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.13%0.31%0.29%0.26%0.31%+18 bps
Allowance / Loans1.34%1.17%1.15%1.15%1.10%-24 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 Capital14.47%13.62%12.80%12.70%12.71%-176 bps
Equity / Assets10.81%10.20%9.55%9.95%10.11%-70 bps
Liquidity & Funding
Loans / Deposits94.41%93.76%98.27%102.74%115.22%+2,081 bps
Liquid Assets / Assets3.39%3.03%2.64%2.61%2.43%-95 bps
CRE / Total Capitaln/an/an/an/an/an/an/a