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Abington Savings Bank

Jenkintown, PA · Cert 27942

FDIC

Q3 2011

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: Q3 2011, the quarter ended September 30, 2011, 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

Abington Savings Bank

Jenkintown, PA · Cert 27942

FDIC

Q3 2011

$1.2BAssets
$633.7MLoans
$855.6MDeposits
$185.6MEquity
Loan mix
97%RE $545.7M3%C&I $16.5M0%Consumer $0.3MQ3 2010Q3 2011
Deposit mix
93%Interest-bearing $793.8M7%Noninterest $61.8MQ3 2010Q3 2011

NIM

4.45%Q3 ’094.11%Q3 ’103.99%Q3 ’11+6%+7%

Non-interest income vs. expense

1.93%Q3 ’091.92%Q3 ’103.78%Q3 ’11-18%+131%

Executive Summary

  • Earnings: ROA of -0.68%, down 130 bps year over year; NIM at 2.71%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Funding: loans stand at 74.06% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-0.68%-130 bps YoY

Net Interest Margin (YTD, annualized)

2.71%+17 bps YoY

Efficiency Ratio (YTD, annualized)

144.26%+7,539 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets0.61%0.62%0.65%0.71%-0.68%-130 bps
Return on Equity4.50%4.50%4.47%4.73%-4.50%-900 bps
Net Interest Margin2.55%2.58%2.57%2.63%2.71%+17 bps
Efficiency Ratio68.87%68.24%71.82%68.35%144.26%+7,539 bps
Non-Interest Burden1.68%1.68%1.76%1.70%3.87%+220 bps
Growth
Asset Growth (YoY)2.49%0.73%-7.42%-7.23%-8.05%-1,054 bps
Loan Growth (YoY)-8.56%-9.43%-10.15%-11.55%-11.93%-337 bps
Deposit Growth (YoY)8.11%4.35%-4.31%-5.27%-7.54%-1,565 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.92%0.83%-0.02%-0.03%-0.02%-94 bps
Allowance / Loans0.65%0.61%0.63%0.66%0.70%+5 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 Capital22.98%23.89%24.76%25.47%25.06%+209 bps
Equity / Assets13.97%14.10%15.17%15.51%16.04%+208 bps
Liquidity & Funding
Loans / Deposits77.75%75.81%78.44%75.96%74.06%-369 bps
Liquid Assets / Assets9.35%10.64%7.80%9.72%11.25%+190 bps
CRE / Total Capitaln/an/an/an/an/an/an/a