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First National Bank of Herminie

Herminie, PA · Cert 7894

FDIC

Q2 2001

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: Q2 2001, the quarter ended June 30, 2001, 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

First National Bank of Herminie

Herminie, PA · Cert 7894

FDIC

Q2 2001

$304.5MAssets
$171.7MLoans
$249.2MDeposits
$29.7MEquity
Loan mix
87%RE $75.2M13%C&I $11.0M1%Consumer $0.8MQ3 1999Q2 2001
Deposit mix
86%Interest-bearing $213.4M14%Noninterest $35.8MQ3 1999Q2 2001

Executive Summary

  • Earnings: ROA of 0.53%, down 35 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 68.90% of deposits as of Q2 2001.

Return on Assets (YTD, annualized)

0.53%-35 bps YoY

Net Interest Margin (YTD, annualized)

3.04%

Efficiency Ratio (YTD, annualized)

80.29%

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.76%Q1 ’016.59%Q2 ’01-4%

Non-interest income vs. expense

2.84%Q1 ’012.89%Q2 ’01+1%

Year to date, annualized, through each quarter.

MetricQ3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets0.89%0.92%0.85%0.88%0.83%0.73%0.61%0.53%-35 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a3.16%3.04%n/a
Efficiency Ration/an/an/an/an/an/a77.03%80.29%n/a
Non-Interest Burdenn/an/an/an/an/an/a2.31%2.33%n/a
Growth
Asset Growth (YoY)9.20%10.36%7.00%9.24%4.85%9.58%11.33%8.83%-41 bps
Loan Growth (YoY)11.44%17.15%20.28%21.50%16.86%10.96%5.93%-1.75%-2,325 bps
Deposit Growth (YoY)6.35%4.93%4.98%8.79%10.79%11.30%10.01%6.09%-271 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/a0.02%0.03%n/a
Allowance / Loansn/an/an/an/an/an/a1.24%1.30%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/a15.54%15.56%n/a
Equity / Assetsn/an/an/an/an/an/a9.81%9.77%n/a
Liquidity & Funding
Loans / Deposits70.06%73.07%74.69%74.40%73.90%72.84%71.92%68.90%-549 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%1.96%1.82%+182 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a