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PFC Bank

Ford City, PA · Cert 6038

FDIC

Q2 2002

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: Q2 2002, the quarter ended June 30, 2002, 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

PFC Bank

Ford City, PA · Cert 6038

FDIC

Q2 2002

$341.6MAssets
$234.3MLoans
$291.7MDeposits
$41.7MEquity
Loan mix
95%RE $167.8M4%C&I $7.7M0%Consumer $0.7MQ2 2001Q2 2002
Deposit mix
87%Interest-bearing $255.1M13%Noninterest $36.5MQ2 2001Q2 2002

NIM

7.37%Q1 ’017.25%Q2 ’016.59%Q2 ’02+0%+17%

Non-interest income vs. expense

2.00%Q1 ’012.05%Q2 ’012.00%Q2 ’02+4%-3%

Executive Summary

  • Earnings: ROA of 2.98%, up 159 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 80.33% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

2.98%1+159 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+54 bps YoY

Efficiency Ratio (YTD, annualized)

50.32%-972 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets1.39%1.61%1.62%2.44%2.98%1+159 bps
Return on Equityn/an/an/a20.36%24.72%n/a
Net Interest Margin3.26%3.29%3.49%3.90%3.80%+54 bps
Efficiency Ratio60.04%57.61%54.87%46.35%50.32%-972 bps
Non-Interest Burden1.90%1.82%1.81%1.72%1.84%-6 bps
Growth
Asset Growth (YoY)8.55%8.62%6.14%5.94%7.40%-115 bps
Loan Growth (YoY)5.67%6.48%7.42%7.86%7.18%+151 bps
Deposit Growth (YoY)6.12%8.08%8.30%7.80%10.39%+426 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.04%0.04%0.02%0.02%0 bps
Allowance / Loans0.65%0.61%0.60%0.60%0.60%-5 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 Capital20.74%20.60%19.62%20.33%20.31%-43 bps
Equity / Assets12.41%12.11%11.93%12.07%12.21%-20 bps
Liquidity & Funding
Loans / Deposits82.73%83.11%83.93%82.19%80.33%-241 bps
Liquid Assets / Assets18.34%16.70%14.15%14.37%15.52%-282 bps
CRE / Total Capitaln/an/an/an/an/an/an/a