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East Prospect State Bank

East Prospect, PA · Cert 13285

FDIC

Q1 2007

$57.3MAssets
$12.9MLoans
$42.7MDeposits
$13.5MEquity
Deposit mix
93%Interest-bearing $39.8M7%Noninterest $2.9MQ1 2006Q1 2007

NIM

5.68%Q1 ’055.67%Q1 ’065.63%Q1 ’07-10%-14%

Non-interest income vs. expense

1.97%Q1 ’052.04%Q1 ’065.29%Q1 ’07+1%+112%

Executive Summary

  • Earnings: ROA of -0.97%, down 342 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 30.13% of deposits as of Q1 2007.

Financial Results

Return on Assets (quarter, annualized)

-0.97%-342 bps YoY

Net Interest Margin (quarter, annualized)

3.00%-48 bps YoY

Efficiency Ratio (quarter, annualized)

124.06%+6,765 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets2.45%2.55%10.53%0.64%1-0.97%-342 bps
Return on Equity10.14%10.47%2.22%2.65%-4.04%-1,417 bps
Net Interest Margin3.48%3.26%3.18%3.19%3.00%-48 bps
Efficiency Ratio56.41%57.51%65.16%137.00%124.06%+6,765 bps
Non-Interest Burden1.90%1.83%2.04%4.44%4.02%+212 bps
Growth
Asset Growth (YoY)-2.39%-4.54%-1.08%-1.54%-3.64%-125 bps
Loan Growth (YoY)-3.69%-4.31%-3.06%-0.04%-5.77%-208 bps
Deposit Growth (YoY)-2.40%-3.11%-0.66%-1.71%-2.11%+29 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.37%0.00%-0.06%-0.09%0.09%-228 bps
Allowance / Loans0.96%1.00%0.98%1.01%1.03%+7 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 Capital44.94%46.06%44.60%45.27%44.31%-63 bps
Equity / Assets24.31%24.42%23.64%24.45%23.52%-80 bps
Liquidity & Funding
Loans / Deposits31.30%31.02%29.80%31.52%30.13%-117 bps
Liquid Assets / Assets1.08%0.94%0.70%0.94%0.80%-28 bps
CRE / Total Capitaln/an/an/an/an/an/an/a