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Peoples Home Savings Bank

Beaver Falls, PA · Cert 27707

FDIC

Q4 2004

$328.3MAssets
$147.1MLoans
$235.4MDeposits
$38.2MEquity
Loan mix
93%RE $63.8M2%C&I $1.3M5%Consumer $3.3MQ4 2003Q4 2004
Deposit mix
87%Interest-bearing $204.6M13%Noninterest $30.8MQ4 2003Q4 2004

NIM

5.72%Q4 ’025.05%Q4 ’034.89%Q4 ’04-8%+2%

Non-interest income vs. expense

2.30%Q4 ’022.14%Q4 ’032.51%Q4 ’04-9%+20%

Executive Summary

  • Earnings: ROA of 0.31%, down 28 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.48%.
  • Funding: loans stand at 62.48% of deposits as of Q4 2004.

Financial Results

Return on Assets (quarter, annualized)

0.31%-28 bps YoY

Net Interest Margin (quarter, annualized)

2.60%+5 bps YoY

Efficiency Ratio (quarter, annualized)

85.80%+1,118 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets0.58%0.50%0.56%0.63%0.31%-28 bps
Return on Equity5.00%4.33%4.76%5.37%2.64%-236 bps
Net Interest Margin2.56%2.57%2.46%2.48%2.60%+5 bps
Efficiency Ratio74.62%79.96%76.83%81.97%85.80%+1,118 bps
Non-Interest Burden1.83%1.99%1.82%1.97%2.19%+36 bps
Growth
Asset Growth (YoY)-2.60%-1.28%0.71%-0.15%-0.90%+169 bps
Loan Growth (YoY)-7.24%-10.30%-11.01%-5.70%-5.26%+198 bps
Deposit Growth (YoY)-0.33%-0.38%1.57%1.98%1.04%+137 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.48%0.42%0.32%0.37%0.48%0 bps
Allowance / Loans1.06%1.06%1.19%1.02%0.99%-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 Capital23.52%24.00%27.00%24.13%24.69%+117 bps
Equity / Assets11.41%11.60%11.82%11.62%11.65%+24 bps
Liquidity & Funding
Loans / Deposits66.63%63.64%59.67%63.93%62.48%-415 bps
Liquid Assets / Assets19.49%19.52%16.84%14.85%14.32%-517 bps
CRE / Total Capitaln/an/an/an/an/an/an/a