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Letter portraitLegal landscapeQuarterYTD

Hoblitzell National Bank of Hyndman, The

Hyndman, PA · Cert 7535

FDIC

Q4 2005

$75.4MAssets
$58.9MLoans
$58.3MDeposits
$7.5MEquity
Loan mix
92%RE $38.4M8%C&I $3.3M0%Consumer $0.0MQ4 2004Q4 2005
Deposit mix
79%Interest-bearing $46.0M21%Noninterest $12.3MQ4 2004Q4 2005

NIM

5.37%Q4 ’035.26%Q4 ’045.45%Q4 ’05+7%-3%

Non-interest income vs. expense

2.68%Q4 ’032.91%Q4 ’042.86%Q4 ’05+5%-4%

Executive Summary

  • Earnings: ROA of 0.80%, down 11 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 101.03% of deposits as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

0.80%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.72%-11 bps YoY

Efficiency Ratio (YTD, annualized)

62.97%-2 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets0.91%0.95%0.98%0.99%0.80%-11 bps
Return on Equity8.76%9.12%9.48%9.58%7.76%-100 bps
Net Interest Margin3.83%3.93%3.83%3.83%3.72%-11 bps
Efficiency Ratio62.99%62.27%59.98%60.17%62.97%-2 bps
Non-Interest Burden2.12%2.15%1.94%1.96%2.04%-8 bps
Growth
Asset Growth (YoY)3.25%6.40%8.53%9.04%12.36%+910 bps
Loan Growth (YoY)6.48%7.68%9.77%4.84%4.58%-190 bps
Deposit Growth (YoY)2.18%6.93%9.39%9.64%14.45%+1,228 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.11%0.36%0.17%0.10%0.08%-3 bps
Allowance / Loans1.33%1.29%1.41%1.51%1.67%+34 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 Capital17.32%17.35%17.14%17.70%16.95%-37 bps
Equity / Assets10.54%10.30%10.31%10.38%9.94%-60 bps
Liquidity & Funding
Loans / Deposits110.58%105.69%106.07%102.04%101.03%-954 bps
Liquid Assets / Assets1.70%1.79%1.79%1.54%1.63%-8 bps
CRE / Total Capitaln/an/an/an/an/an/an/a