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Public Savings Bank

Willow Grove, PA · Cert 34130

FDIC

Q2 2011

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: Q2 2011, the quarter ended June 30, 2011, 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

Public Savings Bank

Willow Grove, PA · Cert 34130

FDIC

Q2 2011

$46.8MAssets
$37.1MLoans
$45.8MDeposits
$721KEquity
Loan mix
74%RE $25.3M5%C&I $1.7M21%Consumer $7.4MQ2 2010Q2 2011
Deposit mix
58%Interest-bearing $26.6M42%Noninterest $19.1MQ2 2010Q2 2011

NIM

6.99%Q2 ’095.11%Q2 ’106.06%Q2 ’11-16%+40%

Non-interest income vs. expense

4.36%Q2 ’099.43%Q2 ’1013.54%Q2 ’11+29%+62%

Executive Summary

  • Earnings: ROA of -3.11%, down 149 bps year over year; NIM at 5.04%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.79%.
  • Funding: loans stand at 81.04% of deposits as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

-3.11%-149 bps YoY

Net Interest Margin (YTD, annualized)

5.04%+144 bps YoY

Efficiency Ratio (YTD, annualized)

119.03%+898 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets-1.62%-2.57%-3.05%-1.03%-3.11%-149 bps
Return on Equity-28.59%-49.15%-63.17%-35.34%-126.50%-9,791 bps
Net Interest Margin3.60%3.93%4.24%4.56%5.04%+144 bps
Efficiency Ratio110.05%119.10%119.80%108.70%119.03%+898 bps
Non-Interest Burden4.46%5.57%6.15%5.48%7.21%+275 bps
Growth
Asset Growth (YoY)4.83%-4.27%-8.43%-1.95%-4.62%-945 bps
Loan Growth (YoY)2.50%2.02%-1.95%-0.48%-2.54%-504 bps
Deposit Growth (YoY)9.44%0.09%-6.14%1.24%-0.79%-1,023 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.17%0.83%1.13%0.39%0.79%-38 bps
Allowance / Loans2.20%2.49%2.22%2.21%2.48%+28 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 Capital8.31%6.77%4.93%4.68%2.85%-547 bps
Equity / Assets5.26%3.95%3.09%2.74%1.54%-372 bps
Liquidity & Funding
Loans / Deposits82.49%80.39%84.00%78.99%81.04%-146 bps
Liquid Assets / Assets11.64%12.69%6.39%12.74%7.10%-454 bps
CRE / Total Capitaln/an/an/an/an/an/an/a