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First National Bank of Fredericksburg, The

Fredericksburg, PA · Cert 7502

FDIC · 7 branches

Q3 2015

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: Q3 2015, the quarter ended September 30, 2015, 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 National Bank of Fredericksburg, The

Fredericksburg, PA · Cert 7502

FDIC · 7 branches

Q3 2015

$227.2MAssets
$149.1MLoans
$209.0MDeposits
$15.8MEquity
Loan mix
68%RE $89.3M5%C&I $6.7M27%Consumer $35.1MQ3 2014Q3 2015
Deposit mix
79%Interest-bearing $165.8M21%Noninterest $43.3MQ3 2014Q3 2015

NIM

3.48%Q3 ’133.35%Q3 ’143.19%Q3 ’15-3%-4%

Non-interest income vs. expense

3.47%Q3 ’133.29%Q3 ’143.28%Q3 ’15-6%+1%

Market Position · Lebanon, PA · 2015 SOD (annual) · 6.9% share · #5 of 12 inst. · $0.1B of $2.0B

6.9% Lebanon
0.3% Berks
1.8% Schuylkill

Executive Summary

  • Earnings: ROA of 0.03%, down 15 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.19%.
  • Capital: tier 1 leverage ratio of 7.24%.
  • Funding: loans stand at 71.31% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

0.03%-15 bps YoY

Net Interest Margin (YTD, annualized)

2.97%-12 bps YoY

Efficiency Ratio (YTD, annualized)

95.56%+381 bps YoY

Tier 1 Leverage Ratio

7.24%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.17%0.13%0.17%0.17%0.03%-15 bps
Return on Equity2.68%2.05%2.58%2.58%0.38%-230 bps
Net Interest Margin3.09%3.08%2.97%2.96%2.97%-12 bps
Efficiency Ratio91.75%93.33%91.03%91.04%95.56%+381 bps
Non-Interest Burden2.80%2.84%2.66%2.65%2.82%+2 bps
Growth
Asset Growth (YoY)4.58%7.74%4.93%2.87%0.98%-361 bps
Loan Growth (YoY)5.42%-0.85%-0.74%1.89%3.06%-236 bps
Deposit Growth (YoY)4.61%7.90%4.89%2.89%0.90%-371 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.12%0.14%0.06%0.08%0.19%+7 bps
Allowance / Loans0.83%0.81%0.82%0.83%0.84%+1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a7.35%7.30%7.24%n/a
Total Risk-Based Capital11.60%11.67%11.56%11.39%11.17%-43 bps
Equity / Assets6.63%6.70%6.65%6.78%6.96%+33 bps
Liquidity & Funding
Loans / Deposits69.82%66.67%65.05%68.39%71.31%+149 bps
Liquid Assets / Assets11.59%14.78%17.16%13.32%10.96%-64 bps
CRE / Total Capitaln/an/an/an/an/an/an/a