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

Deposit mix

NIM

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

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.

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.

Metric	Q2 2013	Q3 2013	Q4 2013	Q1 2014	Q2 2014	YoY Δ	Trend
Earnings
Return on Assets	0.50%	0.48%	0.34%	0.04%	-0.05%	-55 bps
Return on Equity	4.20%	4.01%	2.81%	0.31%	-0.38%	-458 bps
Net Interest Margin	3.34%	3.28%	3.31%	3.31%	3.26%	-7 bps
Efficiency Ratio	72.46%	71.31%	75.74%	87.67%	95.58%	+2,313 bps
Non-Interest Burden	2.41%	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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.51%	0.34%	0.43%	0.92%	0.47%	-4 bps
Allowance / Loans	1.01%	1.19%	1.04%	0.96%	0.97%	-5 bps
Allowance Coverage of NPLs	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
Total Risk-Based Capital	25.65%	26.04%	25.70%	25.73%	25.36%	-29 bps
Equity / Assets	11.77%	12.39%	12.25%	12.24%	12.51%	+74 bps
Liquidity & Funding
Loans / Deposits	76.56%	80.98%	81.27%	78.61%	80.06%	+350 bps
Liquid Assets / Assets	26.31%	25.52%	23.15%	23.56%	24.75%	-156 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a