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First Federal Savings Bank

Monessen, PA · Cert 29943

FDIC · 7 branches

Q3 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: Q3 2014, the quarter ended September 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

First Federal Savings Bank

Monessen, PA · Cert 29943

FDIC · 7 branches

Q3 2014

$324.8MAssets
$286.9MLoans
$211.6MDeposits
$47.0MEquity
Loan mix
94%RE $214.3M6%C&I $13.3M1%Consumer $1.5MQ3 2013Q3 2014
Deposit mix
86%Interest-bearing $181.4M14%Noninterest $30.2MQ3 2013Q3 2014

NIM

4.21%Q3 ’124.09%Q3 ’133.96%Q3 ’14+5%+3%

Non-interest income vs. expense

2.79%Q3 ’123.20%Q3 ’133.76%Q3 ’14-1%+41%

Market Position · Pittsburgh, PA · 2014 SOD (annual) · 0.2% share · #29 of 57 inst. · $0.2B of $98.3B

1.5% Westmoreland
1.9% Washington
2.0% Fayette

Executive Summary

  • Earnings: ROA of 0.45%, down 36 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 135.57% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.45%-36 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+10 bps YoY

Efficiency Ratio (YTD, annualized)

82.26%+1,356 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.81%0.75%0.73%0.23%0.45%-36 bps
Return on Equity5.53%5.14%5.09%1.63%3.13%-240 bps
Net Interest Margin3.20%3.22%3.28%3.28%3.30%+10 bps
Efficiency Ratio68.70%69.01%71.31%87.49%82.26%+1,356 bps
Non-Interest Burden1.77%1.80%1.98%2.71%2.50%+73 bps
Growth
Asset Growth (YoY)0.26%0.05%3.06%5.24%0.83%+58 bps
Loan Growth (YoY)8.28%7.81%8.79%11.35%8.29%+1 bps
Deposit Growth (YoY)-0.12%1.45%5.03%2.39%-7.29%-717 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.12%-0.01%-0.01%0.03%0 bps
Allowance / Loans1.21%1.22%1.22%1.26%1.24%+3 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 Capital23.40%21.84%21.81%20.90%21.73%-167 bps
Equity / Assets14.86%14.38%14.42%14.07%14.47%-39 bps
Liquidity & Funding
Loans / Deposits116.06%121.63%117.25%123.01%135.57%+1,951 bps
Liquid Assets / Assets3.76%1.10%1.23%0.78%6.72%+296 bps
CRE / Total Capitaln/an/an/an/an/an/an/a