Minersville Safe Deposit Bank and Trust Company

Minersville, PA · Cert 15145

FDIC · 4 branches

Q4 2014

$138.3MAssets

$116.7MLoans

$117.5MDeposits

$14.8MEquity

Loan mix

Deposit mix

NIM

Market Position · Scranton-Wilkes-Barre-Hazleton, PA · 2014 SOD (annual) · 0.1% share · #22 of 23 inst. · $0.0B of $11.4B

5.7% Schuylkill

0.1% Luzerne

Earnings: ROA of -0.50%, down 96 bps year over year; NIM at 3.71%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.14%.
Funding: loans stand at 99.32% of deposits as of Q4 2014.

Return on Assets (quarter, annualized)

-0.50%-96 bps YoY

Net Interest Margin (quarter, annualized)

3.71%-34 bps YoY

Efficiency Ratio (quarter, annualized)

127.81%+4,482 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 2013	Q1 2014	Q2 2014	Q3 2014	Q4 2014	YoY Δ	Trend
Earnings
Return on Assets	0.46%	0.35%	0.32%	0.55%	-0.50%	-96 bps
Return on Equity	4.16%	3.14%	2.97%	5.13%	-4.63%	-878 bps
Net Interest Margin	4.05%	3.90%	3.85%	3.91%	3.71%	-34 bps
Efficiency Ratio	83.00%	89.16%	88.56%	80.57%	127.81%	+4,482 bps
Non-Interest Burden	3.31%	3.40%	3.36%	3.05%	4.46%	+115 bps
Growth
Asset Growth (YoY)	4.19%	2.39%	6.07%	2.80%	0.65%	-354 bps
Loan Growth (YoY)	2.65%	0.61%	4.78%	3.97%	3.92%	+127 bps
Deposit Growth (YoY)	1.08%	1.35%	6.36%	3.18%	4.00%	+292 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.06%	0.07%	0.07%	0.01%	0.14%	+8 bps
Allowance / Loans	1.09%	1.10%	1.08%	1.15%	1.15%	+6 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	15.42%	15.17%	14.28%	14.43%	14.14%	-128 bps
Equity / Assets	11.17%	11.16%	10.62%	10.81%	10.68%	-49 bps
Liquidity & Funding
Loans / Deposits	99.39%	97.44%	96.04%	96.36%	99.32%	-8 bps
Liquid Assets / Assets	1.30%	1.04%	0.81%	0.69%	0.73%	-57 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a