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Omega Bank, National Association

State College, PA · Cert 7575

FDIC

Q3 2001

$628.5MAssets
$457.7MLoans
$519.8MDeposits
$78.2MEquity
Loan mix
83%RE $246.0M15%C&I $45.9M2%Consumer $4.6MQ3 2000Q3 2001
Deposit mix
92%Interest-bearing $477.2M8%Noninterest $42.6MQ3 2000Q3 2001

NIM

7.19%Q1 ’017.00%Q2 ’016.89%Q3 ’01-2%-1%

Non-interest income vs. expense

3.23%Q1 ’013.19%Q2 ’013.16%Q3 ’01-1%0%

Executive Summary

  • Earnings: ROA of 1.50%, down 8 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 88.06% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

1.50%-8 bps YoY

Net Interest Margin (YTD, annualized)

4.12%

Efficiency Ratio (YTD, annualized)

60.80%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.58%1.58%1.54%1.52%1.50%-8 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a4.25%4.15%4.12%n/a
Efficiency Ration/an/a60.30%60.67%60.80%n/a
Non-Interest Burdenn/an/a2.12%2.09%2.08%n/a
Growth
Asset Growth (YoY)3.61%5.78%6.75%4.28%3.91%+30 bps
Loan Growth (YoY)8.07%7.69%9.53%7.89%4.07%-401 bps
Deposit Growth (YoY)1.08%4.98%5.01%4.95%5.54%+446 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.04%0.10%0.09%n/a
Allowance / Loansn/an/a1.18%1.13%1.14%n/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/a19.48%18.94%19.42%n/a
Equity / Assetsn/an/a12.11%12.10%12.45%n/a
Liquidity & Funding
Loans / Deposits89.30%87.32%88.31%88.41%88.06%-124 bps
Liquid Assets / Assets0.00%0.00%0.23%0.01%0.01%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a