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 -2.75%, up 1,915 bps year over year; NIM at 2.14%.

Return on Assets (YTD, annualized)

-2.75%+1,915 bps YoY

Net Interest Margin (YTD, annualized)

2.14%+276 bps YoY

Efficiency Ratio (YTD, annualized)

117.94%-5,313 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

1.19%Q4 ’070.90%Q4 ’086.47%Q4 ’09+82%+448%

Non-interest income vs. expense

105.45%Q4 ’0757.78%Q4 ’0871.13%Q4 ’09+5089%-45%

Year to date, annualized, through each quarter.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-1.81%-47.43%-30.96%-21.90%-10.19%-4.81%-2.77%-2.75%+1,915 bps
Return on Equity-18.01%-403%-298%-273%-260%-91.53%-45.61%-35.58%+23,715 bps
Net Interest Margin-2.79%-2.62%-1.35%-0.62%1.07%0.78%0.99%2.14%+276 bps
Efficiency Ratio102.88%189.28%172.87%171.07%166.29%134.89%120.55%117.94%-5,313 bps
Non-Interest Burden-0.10%80.80%39.96%23.39%17.20%7.03%4.70%12.96%-1,043 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