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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

5.43%Q3 ’065.58%Q3 ’075.21%Q3 ’08-14%+2%

Non-interest income vs. expense

2.28%Q3 ’062.07%Q3 ’072.09%Q3 ’08-10%-2%

Executive Summary

  • Earnings: ROA of -1.11%, down 143 bps year over year; NIM at 2.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 80.73% of deposits as of Q3 2008.

Financial Results

Return on Assets (quarter, annualized)

-1.11%-143 bps YoY

Net Interest Margin (quarter, annualized)

2.25%+5 bps YoY

Efficiency Ratio (quarter, annualized)

82.87%-299 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets0.32%0.30%0.48%10.30%-1.11%-143 bps
Return on Equity2.76%2.62%4.30%2.87%-10.25%-1,300 bps
Net Interest Margin2.20%2.20%2.06%2.05%2.25%+5 bps
Efficiency Ratio85.86%87.00%91.24%85.29%82.87%-299 bps
Non-Interest Burden1.86%1.89%1.87%1.71%1.82%-4 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%0.26%0.00%0 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