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Esb Bank

Ellwood City, PA · Cert 27708

FDIC · 23 branches

Q4 2014

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: Q4 2014, the quarter ended December 31, 2014, 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 2026-10-10

Esb Bank

Ellwood City, PA · Cert 27708

FDIC · 23 branches

Q4 2014

$1.9BAssets
$711.4MLoans
$1.3BDeposits
$223.9MEquity
Loan mix
88%RE $528.5M2%C&I $15.0M9%Consumer $56.3MQ4 2013Q4 2014
Deposit mix
98%Interest-bearing $1.2B2%Noninterest $0.0BQ4 2013Q4 2014

NIM

3.90%Q4 ’123.49%Q4 ’133.50%Q4 ’14-1%+10%

Non-interest income vs. expense

1.55%Q4 ’121.54%Q4 ’131.68%Q4 ’14-1%+13%

Market Position · Pittsburgh, PA · 2014 SOD (annual) · 1.0% share · #13 of 57 inst. · $0.9B of $98.3B

22.0% Beaver
0.5% Allegheny
22.9% Lawrence
2.4% Butler

Executive Summary

  • Earnings: ROA of 1.03%, up 12 bps year over year; NIM at 2.70%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 55.95% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

1.03%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.70%+25 bps YoY

Efficiency Ratio (YTD, annualized)

56.26%+53 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets0.91%0.98%1.03%1.04%1.03%+12 bps
Return on Equity7.76%8.55%8.81%8.81%8.74%+98 bps
Net Interest Margin2.45%2.59%2.55%2.61%2.70%+25 bps
Efficiency Ratio55.73%52.33%52.04%51.99%56.26%+53 bps
Non-Interest Burden1.24%1.26%1.20%1.22%1.40%+16 bps
Growth
Asset Growth (YoY)-1.37%1.22%2.21%2.32%0.99%+236 bps
Loan Growth (YoY)3.48%2.65%3.93%3.30%1.28%-221 bps
Deposit Growth (YoY)3.79%5.01%7.29%8.45%3.62%-17 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.06%0.00%0.01%0.04%0.04%-2 bps
Allowance / Loans0.97%0.95%0.95%0.95%0.82%-15 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 Capital15.94%15.96%16.76%17.29%16.71%+78 bps
Equity / Assets11.41%11.48%12.02%12.15%11.91%+50 bps
Liquidity & Funding
Loans / Deposits57.24%55.49%54.87%53.24%55.95%-129 bps
Liquid Assets / Assets0.17%0.91%0.27%0.57%0.13%-4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a