PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Banks, N.A.

Millersburg, PA · Cert 7616

FDIC

Q4 2001

$763.1MAssets
$455.8MLoans
$504.6MDeposits
$53.0MEquity
Loan mix
56%RE $140.4M42%C&I $104.2M2%Consumer $4.4MQ4 2000Q4 2001
Deposit mix
78%Interest-bearing $392.5M22%Noninterest $112.1MQ4 2000Q4 2001

NIM

7.42%Q1 ’016.84%Q3 ’016.56%Q4 ’01-7%+3%

Non-interest income vs. expense

2.60%Q1 ’012.42%Q3 ’012.60%Q4 ’01-15%+14%

Executive Summary

  • Earnings: ROA of 0.99%, down 20 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.67%.
  • Funding: loans stand at 90.33% of deposits as of Q4 2001.

Financial Results

Return on Assets (quarter, annualized)

0.99%-20 bps YoY

Net Interest Margin (quarter, annualized)

3.33%

Efficiency Ratio (quarter, annualized)

65.15%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.18%0.47%1.06%1.04%0.99%-20 bps
Return on Equityn/an/a14.55%14.04%13.70%n/a
Net Interest Marginn/a3.47%3.40%3.23%3.33%n/a
Efficiency Ration/a64.04%60.44%61.26%65.15%n/a
Non-Interest Burdenn/a2.01%1.79%1.70%1.94%n/a
Growth
Asset Growth (YoY)17.39%18.88%10.06%10.97%9.87%-751 bps
Loan Growth (YoY)19.42%20.44%11.78%11.20%14.54%-488 bps
Deposit Growth (YoY)13.90%10.83%9.13%8.39%6.07%-783 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.10%0.20%1.53%0.67%n/a
Allowance / Loansn/a1.47%1.54%1.28%1.27%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/a11.15%10.95%10.43%10.11%n/a
Equity / Assetsn/a7.27%7.32%7.49%6.95%n/a
Liquidity & Funding
Loans / Deposits83.64%83.84%83.92%84.08%90.33%+669 bps
Liquid Assets / Assets0.00%0.05%0.02%0.08%0.04%+4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a