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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

5.38%Q4 ’035.40%Q4 ’045.77%Q4 ’05+6%-6%

Non-interest income vs. expense

3.12%Q4 ’033.25%Q4 ’043.19%Q4 ’05-3%+3%

Executive Summary

  • Earnings: ROA of 0.24%, down 52 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 101.03% of deposits as of Q4 2005.

Financial Results

Return on Assets (quarter, annualized)

0.24%-52 bps YoY

Net Interest Margin (quarter, annualized)

3.71%-23 bps YoY

Efficiency Ratio (quarter, annualized)

71.57%+420 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets0.76%0.95%1.01%1.01%0.24%-52 bps
Return on Equity7.20%9.12%9.83%9.78%2.39%-481 bps
Net Interest Margin3.95%3.93%3.88%3.87%3.71%-23 bps
Efficiency Ratio67.36%62.27%57.85%60.55%71.57%+420 bps
Non-Interest Burden2.37%2.15%1.82%2.01%2.45%+7 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 / Loans0.17%0.36%-0.03%-0.04%0.05%-12 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