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Hicksville Building Loan & Savings Bank

Hicksville, OH · Cert 30045

FDIC

Q2 2008

$3.3BAssets
$2.7BLoans
$2.4BDeposits
n/aEquity
Deposit mix
96%Interest-bearing $39.1M4%Noninterest $1.6MQ2 2007Q2 2008

NIM

6.18%Q2 ’066.32%Q3 ’066.53%Q3 ’07-1%-22%

Non-interest income vs. expense

3.04%Q2 ’063.37%Q3 ’069.63%Q3 ’07+12%+184%

Executive Summary

  • Earnings: ROA of 0.54%, up 908 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 112.58% of deposits as of Q2 2008.

Financial Results

Return on Assets (YTD, annualized)

0.54%+908 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets-8.54%-5.86%-0.64%0.62%0.54%+908 bps
Return on Equity-249%-185.44%n/an/an/an/a
Net Interest Margin2.23%2.13%n/an/an/an/a
Efficiency Ratio409%298%n/an/an/an/a
Non-Interest Burden10.54%8.53%n/an/an/an/a
Growth
Asset Growth (YoY)-25.91%-29.37%5025%5656%5949%+597,504 bps
Loan Growth (YoY)-32.01%-39.30%5426%5991%6423%+645,454 bps
Deposit Growth (YoY)-21.30%-26.91%4426%4994%5296%+531,713 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.07%1.21%n/an/an/an/a
Allowance / Loans2.33%2.29%n/an/an/an/a
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 Capital1.98%2.18%n/an/an/an/a
Equity / Assets2.06%2.21%n/an/an/an/a
Liquidity & Funding
Loans / Deposits93.13%87.38%115.44%113.44%112.58%+1,945 bps
Liquid Assets / Assets12.89%17.86%0.00%0.00%0.00%-1,289 bps
CRE / Total Capitaln/an/an/an/an/an/an/a