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Metropolitan Savings Bank

Pittsburgh, PA · Cert 35353

FDIC

Q3 2006

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 2006, the quarter ended September 30, 2006, 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 2026-10-10

Metropolitan Savings Bank

Pittsburgh, PA · Cert 35353

FDIC

Q3 2006

$15.8MAssets
$13.0MLoans
$14.5MDeposits
$1.1MEquity
Deposit mix
99%Interest-bearing $14.5M1%Noninterest $0.1MQ3 2005Q3 2006

NIM

5.63%Q3 ’045.55%Q3 ’054.76%Q3 ’06-9%-21%

Non-interest income vs. expense

1.96%Q3 ’041.74%Q3 ’052.45%Q3 ’06-11%+42%

Executive Summary

  • Earnings: ROA of 0.14%, down 100 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 89.13% of deposits as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

0.14%-100 bps YoY

Net Interest Margin (YTD, annualized)

2.54%-67 bps YoY

Efficiency Ratio (YTD, annualized)

91.53%+3,925 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets1.15%1.13%0.36%0.32%0.14%-100 bps
Return on Equity15.81%15.32%4.66%4.10%1.90%-1,391 bps
Net Interest Margin3.21%2.90%2.38%2.61%2.54%-67 bps
Efficiency Ratio52.27%60.23%84.62%87.19%91.53%+3,925 bps
Non-Interest Burden1.62%1.69%1.99%2.25%2.31%+69 bps
Growth
Asset Growth (YoY)3.53%8.93%-0.13%3.52%10.89%+736 bps
Loan Growth (YoY)17.25%12.01%2.89%-0.67%-0.45%-1,769 bps
Deposit Growth (YoY)2.11%8.59%-1.58%2.55%11.45%+934 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%0.00%0.00%0 bps
Allowance / Loans0.52%0.53%0.54%0.56%0.60%+8 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 Capital14.44%14.38%15.26%16.11%15.43%+99 bps
Equity / Assets7.54%7.68%7.92%7.79%7.14%-40 bps
Liquidity & Funding
Loans / Deposits99.79%98.79%100.91%98.12%89.13%-1,065 bps
Liquid Assets / Assets1.53%1.50%1.57%2.22%1.78%+26 bps
CRE / Total Capitaln/an/an/an/an/an/an/a