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Nesquehoning Savings Bank

Nesquehoning, PA · Cert 31280

FDIC

Q3 2008

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 2008, the quarter ended September 30, 2008, 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

Nesquehoning Savings Bank

Nesquehoning, PA · Cert 31280

FDIC

Q3 2008

$32.6MAssets
$20.2MLoans
$25.1MDeposits
$3.7MEquity
Deposit mix
96%Interest-bearing $23.9M4%Noninterest $1.1MQ3 2007Q3 2008

NIM

5.28%Q3 ’065.26%Q3 ’075.34%Q3 ’08-16%-2%

Non-interest income vs. expense

2.32%Q3 ’062.06%Q3 ’072.06%Q3 ’08-12%-2%

Executive Summary

  • Earnings: ROA of -0.10%, down 44 bps year over year; NIM at 2.15%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 80.73% of deposits as of Q3 2008.

Financial Results

Return on Assets (YTD, annualized)

-0.10%-44 bps YoY

Net Interest Margin (YTD, annualized)

2.15%-4 bps YoY

Efficiency Ratio (YTD, annualized)

86.32%+39 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets0.33%0.32%0.48%10.39%-0.10%-44 bps
Return on Equity2.78%2.73%4.30%3.59%-0.96%-373 bps
Net Interest Margin2.19%2.18%2.06%2.02%2.15%-4 bps
Efficiency Ratio85.93%86.20%91.24%88.19%86.32%+39 bps
Non-Interest Burden1.86%1.85%1.87%1.75%1.83%-3 bps
Growth
Asset Growth (YoY)17.99%15.12%15.19%10.55%-2.71%-2,070 bps
Loan Growth (YoY)5.65%9.46%7.83%3.03%1.08%-457 bps
Deposit Growth (YoY)14.95%16.56%18.15%12.71%5.58%-936 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.13%0.09%+9 bps
Allowance / Loans0.59%0.57%0.57%0.52%0.52%-7 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 Capital22.43%22.18%21.44%21.41%23.14%+72 bps
Equity / Assets11.35%11.43%10.72%10.49%11.24%-11 bps
Liquidity & Funding
Loans / Deposits84.32%86.85%83.50%77.36%80.73%-360 bps
Liquid Assets / Assets15.30%15.21%18.17%21.95%16.30%+100 bps
CRE / Total Capitaln/an/an/an/an/an/an/a