PackageTrendsPeer
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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 $1.0MQ2 2003Q1 2005
Deposit mix
84%Interest-bearing $152.3M16%Noninterest $29.5MQ2 2003Q1 2005

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.

Return on Assets (quarter, annualized)

1.59%+53 bps YoY

Net Interest Margin (quarter, annualized)

3.60%+22 bps YoY

Efficiency Ratio (quarter, annualized)

52.33%-1,117 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

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%

Discrete quarter, annualized.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets1.00%1.23%1.19%1.05%0.81%1.46%1.70%1.59%+53 bps
Return on Equity11.46%14.29%14.04%12.22%9.25%16.73%19.67%17.81%+559 bps
Net Interest Margin3.48%3.39%3.45%3.38%3.29%3.60%3.85%3.60%+22 bps
Efficiency Ratio64.78%65.74%60.67%63.50%70.13%55.78%49.74%52.33%-1,117 bps
Non-Interest Burden1.99%1.99%1.71%1.84%2.10%1.57%1.52%1.41%-43 bps
Growth
Asset Growth (YoY)4.28%4.74%0.17%3.17%1.15%4.19%5.96%4.39%+122 bps
Loan Growth (YoY)14.27%17.33%12.37%11.58%10.24%11.52%11.63%2.25%-934 bps
Deposit Growth (YoY)13.47%8.54%9.31%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.03%0.04%0.04%-0.01%0.04%0.06%0.01%-3 bps
Allowance / Loans0.82%0.80%0.81%0.81%0.83%0.80%0.80%0.88%+7 bps
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 Capital12.54%12.39%11.77%11.75%11.84%11.17%11.39%12.62%+87 bps
Equity / Assets8.61%8.61%8.41%8.82%8.73%8.67%8.65%9.16%+35 bps
Liquidity & Funding
Loans / Deposits91.50%94.63%94.66%97.47%96.75%99.54%93.75%86.75%-1,072 bps
Liquid Assets / Assets0.08%0.11%0.06%0.06%0.06%0.07%0.06%0.07%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a