PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fulton Financial Advisors, N.A.

Lancaster, PA · Cert 57019

FDIC

Q4 2009

$51.8MAssets
n/aLoans
n/aDeposits
$15.0MEquity

Executive Summary

  • Earnings: ROA of -1.61%, up 1,003 bps year over year; NIM at -1.53%.

Return on Assets (quarter, annualized)

-1.61%+1,003 bps YoY

Net Interest Margin (quarter, annualized)

-1.53%-154 bps YoY

Efficiency Ratio (quarter, annualized)

109.37%-5,584 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

1.27%Q4 ’072.19%Q4 ’080.03%Q4 ’09+100%-18330%

Non-interest income vs. expense

100.11%Q4 ’0752.42%Q4 ’0861.70%Q4 ’09+1595%-82%

Discrete quarter, annualized.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-1.81%-89.21%-13.12%-11.64%-10.19%-0.42%0.75%-1.61%+1,003 bps
Return on Equity-18.01%-722%-123.93%-196.24%-260%-7.61%9.70%-12.78%+18,346 bps
Net Interest Margin-2.79%-2.41%-0.86%0.01%1.07%0.77%1.42%-1.53%-154 bps
Efficiency Ratio102.88%278%139.27%165.21%166.29%103.15%93.76%109.37%-5,584 bps
Non-Interest Burden-0.10%161.70%21.06%20.70%17.20%1.33%0.24%3.75%-1,694 bps
Growth
Asset Growth (YoY)25.86%42.52%124.02%273%289%310%138.16%-62.34%-33,514 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 Capital12.43%18.51%11.34%14.99%13.51%19.08%21.02%72.28%+5,729 bps
Equity / Assets9.70%14.52%8.29%4.57%3.31%7.25%8.15%28.94%+2,437 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