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Castle Bank and Trust Company

Meriden, CT · Cert 35159

FDIC

Q2 2009

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 2009, the quarter ended June 30, 2009, 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

Castle Bank and Trust Company

Meriden, CT · Cert 35159

FDIC

Q2 2009

$76.3MAssets
$51.8MLoans
$56.7MDeposits
$7.2MEquity
Deposit mix
75%Interest-bearing $42.4M25%Noninterest $14.3MQ2 2008Q2 2009

NIM

6.17%Q2 ’075.91%Q2 ’085.14%Q2 ’09-13%-17%

Non-interest income vs. expense

5.35%Q2 ’074.63%Q2 ’084.95%Q2 ’09-14%+8%

Executive Summary

  • Earnings: ROA of -1.03%, down 48 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 91.33% of deposits as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

-1.03%-48 bps YoY

Net Interest Margin (YTD, annualized)

3.22%-64 bps YoY

Efficiency Ratio (YTD, annualized)

138.63%+3,187 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-0.55%-0.49%-1.42%-2.02%-1.03%-48 bps
Return on Equity-4.04%-3.74%-11.38%-19.73%-10.38%-634 bps
Net Interest Margin3.86%3.54%3.35%3.29%3.22%-64 bps
Efficiency Ratio106.76%106.06%110.11%179.02%138.63%+3,187 bps
Non-Interest Burden4.38%3.99%4.61%6.26%4.73%+34 bps
Growth
Asset Growth (YoY)9.02%21.25%23.18%19.60%14.01%+498 bps
Loan Growth (YoY)18.63%24.70%26.63%17.06%8.87%-976 bps
Deposit Growth (YoY)14.61%33.64%36.74%30.97%20.48%+588 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.01%0.41%0.00%0.03%+4 bps
Allowance / Loans1.36%1.31%0.87%0.92%0.92%-44 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 Capital11.04%10.31%9.37%8.83%8.75%-229 bps
Equity / Assets12.47%11.50%10.45%9.98%9.49%-298 bps
Liquidity & Funding
Loans / Deposits101.07%99.65%99.28%98.53%91.33%-974 bps
Liquid Assets / Assets1.88%3.04%3.00%3.26%2.99%+111 bps
CRE / Total Capitaln/an/an/an/an/an/an/a