PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Columbia County Farmers National Bank

Bloomsburg, PA · Cert 7671

FDIC

Q2 2008

$246.3MAssets
$161.2MLoans
$175.8MDeposits
$30.5MEquity
Loan mix
93%RE $115.1M6%C&I $7.9M0%Consumer $0.2MQ2 2007Q2 2008
Deposit mix
88%Interest-bearing $155.0M12%Noninterest $20.7MQ2 2007Q2 2008

NIM

5.36%Q2 ’065.77%Q2 ’075.56%Q2 ’08+2%+3%

Non-interest income vs. expense

2.63%Q2 ’062.83%Q2 ’072.60%Q2 ’08+1%-7%

Executive Summary

  • Earnings: ROA of 1.13%, up 8 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 91.73% of deposits as of Q2 2008.

Financial Results

Return on Assets (YTD, annualized)

1.13%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.40%+8 bps YoY

Efficiency Ratio (YTD, annualized)

61.00%-536 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets1.05%1.08%1.08%1.05%1.13%+8 bps
Return on Equity8.89%9.14%9.08%8.46%9.14%+24 bps
Net Interest Margin3.31%3.28%3.33%3.39%3.40%+8 bps
Efficiency Ratio66.36%65.54%62.88%62.87%61.00%-536 bps
Non-Interest Burden1.89%1.84%1.75%1.83%1.75%-13 bps
Growth
Asset Growth (YoY)6.01%7.58%1.45%1.13%-0.91%-691 bps
Loan Growth (YoY)-1.65%0.74%0.51%-0.09%2.04%+369 bps
Deposit Growth (YoY)3.73%4.59%0.96%0.95%0.74%-299 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.02%0.03%0.00%0.00%-2 bps
Allowance / Loans0.93%0.90%0.89%0.90%0.89%-4 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 Capital19.81%19.57%19.90%20.25%20.14%+33 bps
Equity / Assets11.69%11.76%12.34%12.52%12.37%+69 bps
Liquidity & Funding
Loans / Deposits90.57%93.52%94.38%91.44%91.73%+116 bps
Liquid Assets / Assets1.61%0.39%0.30%0.28%0.21%-140 bps
CRE / Total Capitaln/an/an/an/an/an/an/a