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First American National Bank of Pennsylvania

Everett, PA · Cert 7495

FDIC

Q1 2005

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: Q1 2005, the quarter ended March 31, 2005, 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

First American National Bank of Pennsylvania

Everett, PA · Cert 7495

FDIC

Q1 2005

$212.9MAssets
$157.8MLoans
$181.9MDeposits
$19.5MEquity
Loan mix
70%RE $53.9M28%C&I $21.6M1%Consumer $1.0MQ1 2004Q1 2005
Deposit mix
84%Interest-bearing $152.3M16%Noninterest $29.5MQ1 2004Q1 2005

NIM

5.40%Q1 ’034.90%Q1 ’045.24%Q1 ’05-6%+6%

Non-interest income vs. expense

2.80%Q1 ’032.68%Q1 ’042.40%Q1 ’05-12%-24%

Executive Summary

  • Earnings: ROA of 1.59%, up 53 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 86.75% of deposits as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

1.59%+53 bps YoY

Net Interest Margin (YTD, annualized)

3.60%+22 bps YoY

Efficiency Ratio (YTD, annualized)

52.33%-1,117 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets1.05%0.93%1.10%1.26%1.59%+53 bps
Return on Equity12.22%10.76%12.76%14.55%17.81%+559 bps
Net Interest Margin3.38%3.33%3.35%3.42%3.60%+22 bps
Efficiency Ratio63.50%66.74%62.72%59.16%52.33%-1,117 bps
Non-Interest Burden1.84%1.97%1.79%1.69%1.41%-43 bps
Growth
Asset Growth (YoY)3.17%1.15%4.19%5.96%4.39%+122 bps
Loan Growth (YoY)11.58%10.24%11.52%11.63%2.25%-934 bps
Deposit Growth (YoY)4.64%4.26%6.01%12.73%14.88%+1,024 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.02%0.02%0.03%0.01%-3 bps
Allowance / Loans0.81%0.83%0.80%0.80%0.88%+7 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 Capital11.75%11.84%11.17%11.39%12.62%+87 bps
Equity / Assets8.82%8.73%8.67%8.65%9.16%+35 bps
Liquidity & Funding
Loans / Deposits97.47%96.75%99.54%93.75%86.75%-1,072 bps
Liquid Assets / Assets0.06%0.06%0.07%0.06%0.07%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a