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Croydon Savings Bank

Croydon, PA · Cert 28770

FDIC

Q2 2010

$11.6MAssets
$8.8MLoans
$10.4MDeposits
$992KEquity
Deposit mix
100%Interest-bearing $10.4M0%Noninterest $0.0MQ2 2009Q2 2010

NIM

6.50%Q2 ’085.69%Q2 ’095.60%Q2 ’10-25%+54%

Non-interest income vs. expense

2.46%Q2 ’082.34%Q2 ’092.46%Q2 ’10-5%+5%

Executive Summary

  • Earnings: ROA of 1.16%, up 119 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 84.23% of deposits as of Q2 2010.

Financial Results

Return on Assets (quarter, annualized)

1.16%+119 bps YoY

Net Interest Margin (quarter, annualized)

3.93%+138 bps YoY

Efficiency Ratio (quarter, annualized)

62.07%-2,841 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets-0.03%-1.90%0.74%0.54%1.16%+119 bps
Return on Equity-0.41%-26.11%9.89%6.74%13.95%+1,436 bps
Net Interest Margin2.55%1.35%2.24%3.58%3.93%+138 bps
Efficiency Ratio90.48%207%102.82%70.09%62.07%-2,841 bps
Non-Interest Burden2.30%2.79%2.30%2.51%2.43%+12 bps
Growth
Asset Growth (YoY)12.75%-6.88%-14.41%-8.35%-11.75%-2,450 bps
Loan Growth (YoY)6.43%-13.80%-17.58%-18.82%-20.40%-2,683 bps
Deposit Growth (YoY)20.50%17.46%-10.96%-7.80%-13.89%-3,439 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans5.27%1.23%0.00%0.00%0.00%-527 bps
Allowance / Loans2.15%2.39%2.11%2.13%2.28%+13 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 Capital13.12%12.76%13.50%13.35%15.42%+230 bps
Equity / Assets7.48%7.10%7.81%8.09%8.57%+109 bps
Liquidity & Funding
Loans / Deposits91.12%81.86%86.14%87.96%84.23%-689 bps
Liquid Assets / Assets12.41%20.30%15.16%15.44%15.92%+352 bps
CRE / Total Capitaln/an/an/an/an/an/an/a