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Blue Ball National Bank, The

Blue Ball, PA · Cert 7411

FDIC

Q2 2005

$1.2BAssets
$849.5MLoans
$880.0MDeposits
$96.2MEquity
Loan mix
75%RE $293.2M24%C&I $93.5M1%Consumer $3.7MQ2 2004Q2 2005
Deposit mix
81%Interest-bearing $713.6M19%Noninterest $166.4MQ2 2004Q2 2005

NIM

5.30%Q2 ’034.84%Q2 ’045.30%Q2 ’05-8%+1%

Non-interest income vs. expense

2.55%Q2 ’032.77%Q2 ’045.58%Q2 ’05+29%+187%

Executive Summary

  • Earnings: ROA of -1.54%, down 271 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.48%.
  • Funding: loans stand at 96.54% of deposits as of Q2 2005.

Financial Results

Return on Assets (quarter, annualized)

-1.54%-271 bps YoY

Net Interest Margin (quarter, annualized)

3.33%+4 bps YoY

Efficiency Ratio (quarter, annualized)

134.54%+7,154 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets1.18%1.30%0.96%1.29%-1.54%-271 bps
Return on Equity14.81%15.76%11.26%15.25%-18.68%-3,350 bps
Net Interest Margin3.29%3.15%3.29%3.18%3.33%+4 bps
Efficiency Ratio63.00%61.71%60.79%63.18%134.54%+7,154 bps
Non-Interest Burden1.66%1.50%1.63%1.68%4.76%+310 bps
Growth
Asset Growth (YoY)8.49%6.01%6.97%10.90%7.26%-123 bps
Loan Growth (YoY)12.88%7.37%8.67%16.13%16.04%+316 bps
Deposit Growth (YoY)10.93%11.14%5.68%4.59%8.54%-239 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.04%0.10%0.01%0.00%0.48%+53 bps
Allowance / Loans1.26%1.21%1.16%1.09%1.15%-11 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 Capital11.50%11.47%11.12%11.18%10.33%-117 bps
Equity / Assets7.75%8.71%8.42%8.47%7.97%+22 bps
Liquidity & Funding
Loans / Deposits90.30%89.76%93.77%98.04%96.54%+624 bps
Liquid Assets / Assets0.48%0.38%0.36%0.38%0.41%-7 bps
CRE / Total Capitaln/an/an/an/an/an/an/a