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Bramble Savings Bank

Milford, OH · Cert 27808

FDIC

Q2 2010

$47.5MAssets
$37.5MLoans
$41.6MDeposits
$468KEquity
Deposit mix
99%Interest-bearing $41.0M1%Noninterest $0.6MQ2 2009Q2 2010

NIM

5.81%Q2 ’085.22%Q2 ’095.05%Q2 ’10+1%+4%

Non-interest income vs. expense

4.76%Q2 ’084.48%Q2 ’094.83%Q2 ’10+5%+51%

Executive Summary

  • Earnings: ROA of -4.98%, down 238 bps year over year; NIM at 2.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.43%.
  • Funding: loans stand at 90.16% of deposits as of Q2 2010.

Financial Results

Return on Assets (YTD, annualized)

-4.98%-238 bps YoY

Net Interest Margin (YTD, annualized)

2.09%+7 bps YoY

Efficiency Ratio (YTD, annualized)

310%+15,835 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets-2.59%-4.51%-3.65%-9.00%-4.98%-238 bps
Return on Equity-42.10%-80.25%-70.22%-395%-268%-22,594 bps
Net Interest Margin2.02%2.20%2.26%1.99%2.09%+7 bps
Efficiency Ratio151.73%152.87%147.23%2996%310%+15,835 bps
Non-Interest Burden3.56%3.89%3.82%7.64%5.38%+182 bps
Growth
Asset Growth (YoY)0.67%-6.61%-0.53%-9.99%-12.51%-1,318 bps
Loan Growth (YoY)-5.05%-2.34%-5.20%-2.84%-1.27%+378 bps
Deposit Growth (YoY)7.32%-3.53%3.61%-5.88%-9.74%-1,706 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.72%0.75%0.58%0.84%0.43%-29 bps
Allowance / Loans2.67%2.47%2.51%3.34%3.38%+71 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 Capital9.83%7.00%6.58%2.82%2.42%-741 bps
Equity / Assets5.27%3.82%3.40%1.15%0.98%-429 bps
Liquidity & Funding
Loans / Deposits82.42%94.74%88.02%87.33%90.16%+774 bps
Liquid Assets / Assets17.69%8.13%13.39%13.34%10.53%-716 bps
CRE / Total Capitaln/an/an/an/an/an/an/a