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First Liberty Bank & Trust

Jermyn, PA · Cert 7537

FDIC

Q1 2001

$643.5MAssets
$420.7MLoans
$514.9MDeposits
$64.3MEquity
Loan mix
78%RE $198.6M21%C&I $54.4M0%Consumer $0.4MQ1 2000Q1 2001
Deposit mix
89%Interest-bearing $458.1M11%Noninterest $56.8MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 0.81%, down 4 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 81.71% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

0.81%-4 bps YoY

Net Interest Margin (quarter, annualized)

2.94%

Efficiency Ratio (quarter, annualized)

68.69%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.85%0.80%0.78%0.72%0.81%-4 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a2.94%n/an/a
Efficiency Ration/an/an/an/a68.69%n/an/a
Non-Interest Burdenn/an/an/an/a1.90%n/an/a
Growth
Asset Growth (YoY)1.80%1.79%0.48%-3.88%1.00%-79 bps
Loan Growth (YoY)12.72%12.30%5.40%0.07%0.61%-1,211 bps
Deposit Growth (YoY)-2.70%-7.72%-2.39%1.32%3.36%+606 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.00%n/an/a
Allowance / Loansn/an/an/an/a1.31%n/an/a
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 Capitaln/an/an/an/a16.97%n/an/a
Equity / Assetsn/an/an/an/a9.99%n/an/a
Liquidity & Funding
Loans / Deposits83.95%89.01%86.32%83.85%81.71%-224 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%4.96%+496 bps
CRE / Total Capitaln/an/an/an/an/an/an/a