PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $2.6MQ4 2002Q3 2004
Deposit mix
89%Interest-bearing $564.5M11%Noninterest $70.4MQ4 2002Q3 2004

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.

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
n/a

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%

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets0.86%1.00%0.92%0.89%0.80%0.71%0.68%0.28%-60 bps
Return on Equity8.58%9.98%9.51%9.24%8.37%6.88%6.52%2.69%-655 bps
Net Interest Margin2.88%2.52%2.41%2.43%2.43%2.55%2.44%2.40%-3 bps
Efficiency Ratio67.02%76.31%76.22%74.83%74.46%71.73%74.21%81.50%+667 bps
Non-Interest Burden1.72%1.69%1.63%1.59%1.62%1.55%1.56%1.78%+19 bps
Growth
Asset Growth (YoY)2.97%8.98%11.24%8.68%9.10%4.17%2.90%-0.04%-872 bps
Loan Growth (YoY)16.34%11.83%12.35%14.19%12.05%10.54%3.27%0.11%-1,408 bps
Deposit Growth (YoY)1.08%2.60%12.91%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.24%0.09%0.11%0.18%0.11%-0.14%-0.03%0.17%-1 bps
Allowance / Loans1.02%1.05%1.12%1.08%1.14%1.23%1.29%1.41%+34 bps
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 Capital12.08%11.71%9.92%10.16%10.26%10.90%11.09%11.11%+95 bps
Equity / Assets10.33%9.64%9.13%9.36%9.53%11.08%10.71%10.95%+159 bps
Liquidity & Funding
Loans / Deposits103.09%103.47%100.61%102.74%109.95%105.37%104.53%105.80%+306 bps
Liquid Assets / Assets2.05%0.03%1.56%0.08%0.05%0.05%0.14%0.15%+7 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a