St. Edmond's Federal Savings Bank

Philadelphia, PA · Cert 28916

FDIC

Q1 2012

$302.2MAssets

$183.3MLoans

$276.5MDeposits

$25.2MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of -0.51%, down 56 bps year over year; NIM at 2.93%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.68%.
Funding: loans stand at 66.29% of deposits as of Q1 2012.

Return on Assets (YTD, annualized)

-0.51%-56 bps YoY

Net Interest Margin (YTD, annualized)

2.93%

n/a

Efficiency Ratio (YTD, annualized)

118.07%

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 2010	Q3 2010	Q4 2010	Q1 2011	Q2 2011	Q3 2011	Q4 2011	Q1 2012	YoY Δ	Trend
Earnings
Return on Assets	0.28%	0.24%	0.14%	0.05%	0.14%	0.22%	0.23%	-0.51%	-56 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a	2.93%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	118.07%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	3.49%	n/a	n/a
Growth
Asset Growth (YoY)	7.99%	3.86%	0.46%	-1.45%	-4.10%	-5.56%	-1.68%	-1.66%	-21 bps
Loan Growth (YoY)	-0.92%	-6.36%	-5.03%	-7.34%	-5.07%	-0.38%	-4.60%	-3.45%	+389 bps
Deposit Growth (YoY)	13.25%	9.47%	6.03%	1.12%	-2.33%	-4.64%	-0.77%	1.53%	+41 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	0.68%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	0.75%	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	17.61%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	8.35%	n/a	n/a
Liquidity & Funding
Loans / Deposits	74.21%	68.52%	70.28%	69.70%	72.13%	71.59%	67.57%	66.29%	-342 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	11.33%	+1,133 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a