PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Drovers & Mechanics Bank, The

York, PA · Cert 7820

FDIC

Q2 2001

$815.6MAssets
$515.7MLoans
$589.1MDeposits
$64.4MEquity
Loan mix
59%RE $176.1M41%C&I $121.1M0%Consumer $0.8MQ2 2000Q2 2001
Deposit mix
90%Interest-bearing $527.9M10%Noninterest $61.2MQ2 2000Q2 2001

NIM

7.45%Q1 ’017.09%Q2 ’01-2%

Non-interest income vs. expense

2.34%Q1 ’012.24%Q2 ’01-6%

Executive Summary

  • Earnings: ROA of 1.18%, up 68 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.12%.
  • Funding: loans stand at 87.54% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

1.18%+68 bps YoY

Net Interest Margin (YTD, annualized)

3.05%

Efficiency Ratio (YTD, annualized)

58.02%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets0.50%0.71%0.64%1.11%1.18%+68 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.12%3.05%n/a
Efficiency Ration/an/an/a59.37%58.02%n/a
Non-Interest Burdenn/an/an/a1.52%1.43%n/a
Growth
Asset Growth (YoY)17.08%11.39%10.59%10.54%8.68%-840 bps
Loan Growth (YoY)14.52%12.90%10.61%6.67%6.44%-808 bps
Deposit Growth (YoY)11.15%11.17%12.60%13.70%9.56%-159 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.08%0.12%n/a
Allowance / Loansn/an/an/a1.02%1.06%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/an/a11.48%11.81%n/a
Equity / Assetsn/an/an/a7.64%7.90%n/a
Liquidity & Funding
Loans / Deposits90.12%90.24%89.14%85.08%87.54%-257 bps
Liquid Assets / Assets0.00%0.00%0.00%5.79%4.99%+499 bps
CRE / Total Capitaln/an/an/an/an/an/an/a