PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Allfirst Trust Company of Pennsylvania, National Association

Harrisburg, PA · Cert 35482

FDIC

Q1 2003

$4.8MAssets
n/aLoans
n/aDeposits
$2.0MEquity

Executive Summary

  • Earnings: ROA of 211.66%, down 2,046 bps year over year; NIM at 0.72%.

Return on Assets (YTD, annualized)

212%-2,046 bps YoY

Net Interest Margin (YTD, annualized)

0.72%+61 bps YoY

Efficiency Ratio (YTD, annualized)

30.26%+154 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.13%Q1 ’010.11%Q1 ’020.72%Q1 ’03-11%+534%

Non-interest income vs. expense

233%Q1 ’01205%Q1 ’02182.71%Q1 ’03+22%+18%

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets226%230%230%232%225%223%214%212%-2,046 bps
Return on Equityn/an/an/a586%553%547%522%512%-7,435 bps
Net Interest Margin0.11%0.12%0.11%0.11%0.21%0.50%0.60%0.72%+61 bps
Efficiency Ratio28.80%29.24%29.72%28.72%31.22%31.13%33.18%30.26%+154 bps
Non-Interest Burden-514%-561%-487%-510%-434%-484%-463%-420%+8,954 bps
Growth
Asset Growth (YoY)-17.62%-4.46%-17.87%10.49%-13.20%5.52%4.28%-4.29%-1,478 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital132.63%183.92%126.46%172.50%70.88%71.62%68.51%73.29%-9,921 bps
Equity / Assets37.46%43.62%39.64%39.58%43.18%41.34%41.12%41.62%+204 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a