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Sun Bank

Selinsgrove, PA · Cert 441

FDIC

Q3 2004

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 2004, the quarter ended September 30, 2004, 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

Sun Bank

Selinsgrove, PA · Cert 441

FDIC

Q3 2004

$1.0BAssets
$671.7MLoans
$634.9MDeposits
$112.9MEquity
Loan mix
54%RE $161.8M46%C&I $137.3M1%Consumer $2.6MQ3 2003Q3 2004
Deposit mix
89%Interest-bearing $564.5M11%Noninterest $70.4MQ3 2003Q3 2004

NIM

5.98%Q3 ’024.86%Q3 ’034.48%Q3 ’04-18%-1%

Non-interest income vs. expense

2.32%Q3 ’022.50%Q3 ’032.91%Q3 ’04-8%+12%

Executive Summary

  • Earnings: ROA of 0.28%, down 60 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.17%.
  • Funding: loans stand at 105.80% of deposits as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

0.28%-60 bps YoY

Net Interest Margin (YTD, annualized)

2.40%-3 bps YoY

Efficiency Ratio (YTD, annualized)

81.50%+667 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets0.89%0.80%0.71%0.68%0.28%-60 bps
Return on Equity9.24%8.37%6.88%6.52%2.69%-655 bps
Net Interest Margin2.43%2.43%2.55%2.44%2.40%-3 bps
Efficiency Ratio74.83%74.46%71.73%74.21%81.50%+667 bps
Non-Interest Burden1.59%1.62%1.55%1.56%1.78%+19 bps
Growth
Asset Growth (YoY)8.68%9.10%4.17%2.90%-0.04%-872 bps
Loan Growth (YoY)14.19%12.05%10.54%3.27%0.11%-1,408 bps
Deposit Growth (YoY)8.07%5.06%8.56%-0.60%-2.79%-1,085 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.18%0.11%-0.14%-0.03%0.17%-1 bps
Allowance / Loans1.08%1.14%1.23%1.29%1.41%+34 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 Capital10.16%10.26%10.90%11.09%11.11%+95 bps
Equity / Assets9.36%9.53%11.08%10.71%10.95%+159 bps
Liquidity & Funding
Loans / Deposits102.74%109.95%105.37%104.53%105.80%+306 bps
Liquid Assets / Assets0.08%0.05%0.05%0.14%0.15%+7 bps
CRE / Total Capitaln/an/an/an/an/an/an/a