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CSB Bank

Curwensville, PA · Cert 15921

FDIC

Q1 2007

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: Q1 2007, the quarter ended March 31, 2007, 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

CSB Bank

Curwensville, PA · Cert 15921

FDIC

Q1 2007

$208.4MAssets
$149.9MLoans
$175.2MDeposits
$23.3MEquity
Loan mix
52%RE $42.7M45%C&I $36.4M3%Consumer $2.5MQ1 2006Q1 2007
Deposit mix
87%Interest-bearing $152.5M13%Noninterest $22.7MQ1 2006Q1 2007

NIM

5.55%Q1 ’055.93%Q1 ’066.25%Q1 ’07-4%-5%

Non-interest income vs. expense

2.67%Q1 ’053.10%Q1 ’062.95%Q1 ’07+14%-1%

Executive Summary

  • Earnings: ROA of 0.51%, down 25 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.16%.
  • Funding: loans stand at 85.55% of deposits as of Q1 2007.

Financial Results

Return on Assets (YTD, annualized)

0.51%-25 bps YoY

Net Interest Margin (YTD, annualized)

3.26%-18 bps YoY

Efficiency Ratio (YTD, annualized)

75.76%+218 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets0.76%0.95%0.92%1.03%0.51%-25 bps
Return on Equity7.10%8.95%8.84%9.89%4.72%-238 bps
Net Interest Margin3.44%3.46%3.35%3.35%3.26%-18 bps
Efficiency Ratio73.59%66.02%66.62%66.77%75.76%+218 bps
Non-Interest Burden2.37%2.05%2.00%2.02%2.35%-2 bps
Growth
Asset Growth (YoY)1.79%4.41%10.80%6.58%-1.09%-289 bps
Loan Growth (YoY)1.29%-1.35%4.44%3.10%0.47%-83 bps
Deposit Growth (YoY)7.19%7.14%4.74%6.35%2.25%-493 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.94%0.78%0.81%0.95%0.16%-78 bps
Allowance / Loans1.03%0.96%0.98%0.95%1.01%-3 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 Capital14.19%13.69%13.77%14.10%14.85%+65 bps
Equity / Assets10.65%10.49%10.06%10.40%11.18%+53 bps
Liquidity & Funding
Loans / Deposits87.07%83.54%85.40%86.95%85.55%-152 bps
Liquid Assets / Assets0.11%0.38%0.17%0.08%0.14%+3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a