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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 $0.8MQ2 2000Q2 2001
Deposit mix
86%Interest-bearing $213.4M14%Noninterest $35.8MQ2 2000Q2 2001

NIM

6.76%Q1 ’016.47%Q2 ’01-7%

Non-interest income vs. expense

2.84%Q1 ’012.96%Q2 ’01+2%

Executive Summary

  • Earnings: ROA of 0.45%, down 43 bps year over year; NIM at 2.94%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.45%-43 bps YoY

Net Interest Margin (quarter, annualized)

2.94%

Efficiency Ratio (quarter, annualized)

83.66%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets0.88%0.83%0.73%0.61%0.45%-43 bps
Return on Equityn/an/an/an/a4.59%n/an/a
Net Interest Marginn/an/an/a3.16%2.94%n/a
Efficiency Ration/an/an/a77.03%83.66%n/a
Non-Interest Burdenn/an/an/a2.31%2.37%n/a
Growth
Asset Growth (YoY)9.24%4.85%9.58%11.33%8.83%-41 bps
Loan Growth (YoY)21.50%16.86%10.96%5.93%-1.75%-2,325 bps
Deposit Growth (YoY)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 bps
Net Charge-Offs / Loansn/an/an/a0.02%0.03%n/a
Allowance / Loansn/an/an/a1.24%1.30%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/a15.54%15.56%n/a
Equity / Assetsn/an/an/a9.81%9.77%n/a
Liquidity & Funding
Loans / Deposits74.40%73.90%72.84%71.92%68.90%-549 bps
Liquid Assets / Assets0.00%0.00%0.00%1.96%1.82%+182 bps
CRE / Total Capitaln/an/an/an/an/an/an/a