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Prince Georges Federal Savings Bank

Upper Marlboro, MD · Cert 28969

FDIC · 4 branches

Q2 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: Q2 2014, the quarter ended June 30, 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 2026-10-11

Prince Georges Federal Savings Bank

Upper Marlboro, MD · Cert 28969

FDIC · 4 branches

Q2 2014

$101.4MAssets
$71.0MLoans
$88.6MDeposits
$12.7MEquity
Loan mix
99%RE $68.8M0%C&I $0.3M1%Consumer $0.7MQ2 2013Q2 2014
Deposit mix
79%Interest-bearing $70.2M21%Noninterest $18.5MQ2 2013Q2 2014

NIM

4.46%Q2 ’123.82%Q2 ’133.59%Q2 ’14-10%-2%

Non-interest income vs. expense

2.60%Q2 ’122.44%Q2 ’133.19%Q2 ’14-2%+29%

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2014 SOD (annual) · 0.0% share · #64 of 87 inst. · $0.1B of $197.1B

0.9% Prince George's
1.6% Calvert

Executive Summary

  • Earnings: ROA of -0.05%, down 55 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.47%.
  • Funding: loans stand at 80.06% of deposits as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

-0.05%-55 bps YoY

Net Interest Margin (YTD, annualized)

3.26%-7 bps YoY

Efficiency Ratio (YTD, annualized)

95.58%+2,313 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.50%0.48%0.34%0.04%-0.05%-55 bps
Return on Equity4.20%4.01%2.81%0.31%-0.38%-458 bps
Net Interest Margin3.34%3.28%3.31%3.31%3.26%-7 bps
Efficiency Ratio72.46%71.31%75.74%87.67%95.58%+2,313 bps
Non-Interest Burden2.41%2.32%2.50%2.89%3.12%+71 bps
Growth
Asset Growth (YoY)6.06%0.79%0.36%-2.88%-6.70%-1,276 bps
Loan Growth (YoY)-7.03%-3.30%-2.32%-4.46%-3.24%+379 bps
Deposit Growth (YoY)6.71%0.81%0.11%-3.20%-7.47%-1,418 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.51%0.34%0.43%0.92%0.47%-4 bps
Allowance / Loans1.01%1.19%1.04%0.96%0.97%-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 Capital25.65%26.04%25.70%25.73%25.36%-29 bps
Equity / Assets11.77%12.39%12.25%12.24%12.51%+74 bps
Liquidity & Funding
Loans / Deposits76.56%80.98%81.27%78.61%80.06%+350 bps
Liquid Assets / Assets26.31%25.52%23.15%23.56%24.75%-156 bps
CRE / Total Capitaln/an/an/an/an/an/an/a