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Williamsport National Bank

Williamsport, PA · Cert 7813

FDIC

Q4 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2004, the quarter ended December 31, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Williamsport National Bank

Williamsport, PA · Cert 7813

FDIC

Q4 2004

$312.2MAssets
$258.5MLoans
$217.6MDeposits
$30.3MEquity
Loan mix
85%RE $113.2M15%C&I $19.5M0%Consumer $0.5MQ4 2003Q4 2004
Deposit mix
81%Interest-bearing $175.9M19%Noninterest $41.7MQ4 2003Q4 2004

NIM

6.70%Q4 ’025.93%Q4 ’035.68%Q4 ’04-5%+3%

Non-interest income vs. expense

2.68%Q4 ’022.53%Q4 ’032.58%Q4 ’04-10%+6%

Executive Summary

  • Earnings: ROA of 1.81%, down 4 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Funding: loans stand at 118.81% of deposits as of Q4 2004.

Financial Results

Return on Assets (YTD, annualized)

1.81%-4 bps YoY

Net Interest Margin (YTD, annualized)

4.33%+11 bps YoY

Efficiency Ratio (YTD, annualized)

50.12%+51 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets1.84%1.69%1.77%1.80%1.81%-4 bps
Return on Equity17.31%16.14%17.41%17.94%18.15%+83 bps
Net Interest Margin4.22%4.30%4.28%4.31%4.33%+11 bps
Efficiency Ratio49.61%51.31%50.24%50.05%50.12%+51 bps
Non-Interest Burden1.66%1.83%1.73%1.75%1.76%+11 bps
Growth
Asset Growth (YoY)2.45%2.25%-0.59%2.97%0.47%-198 bps
Loan Growth (YoY)6.21%7.51%9.65%7.14%4.98%-123 bps
Deposit Growth (YoY)-0.06%-1.88%-0.80%-2.30%-1.48%-141 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.13%0.06%0.08%0.08%0.06%-7 bps
Allowance / Loans1.06%1.10%1.11%1.10%1.19%+13 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 Capital15.11%14.29%13.53%13.07%13.53%-158 bps
Equity / Assets10.61%10.27%9.71%9.51%9.71%-90 bps
Liquidity & Funding
Loans / Deposits111.51%114.84%115.40%122.23%118.81%+730 bps
Liquid Assets / Assets0.01%0.01%0.01%0.01%0.02%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a