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Earthstar Bank

Upper Southampton, PA · Cert 35561

FDIC

Q3 2010

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 2010, the quarter ended September 30, 2010, 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

Earthstar Bank

Upper Southampton, PA · Cert 35561

FDIC

Q3 2010

$112.6MAssets
$77.0MLoans
$104.5MDeposits
$2.3MEquity
Loan mix
91%RE $60.0M7%C&I $4.9M1%Consumer $0.9MQ3 2009Q3 2010
Deposit mix
98%Interest-bearing $101.9M2%Noninterest $2.6MQ3 2009Q3 2010

NIM

5.91%Q3 ’084.84%Q3 ’094.27%Q3 ’10-26%+62%

Non-interest income vs. expense

3.19%Q3 ’084.69%Q3 ’094.00%Q3 ’10+49%-14%

Executive Summary

  • Earnings: ROA of -1.54%, up 141 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.39%.
  • Funding: loans stand at 73.67% of deposits as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-1.54%+141 bps YoY

Net Interest Margin (YTD, annualized)

2.80%+107 bps YoY

Efficiency Ratio (YTD, annualized)

131.99%-9,734 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-2.95%-4.99%-1.46%-1.20%-1.54%+141 bps
Return on Equity-56.04%-103.07%-54.76%-46.79%-63.02%-698 bps
Net Interest Margin1.73%2.16%2.70%2.72%2.80%+107 bps
Efficiency Ratio229%210%148.29%142.72%131.99%-9,734 bps
Non-Interest Burden4.37%4.91%4.14%3.99%3.77%-61 bps
Growth
Asset Growth (YoY)-19.37%-22.11%-20.80%-12.55%-9.14%+1,023 bps
Loan Growth (YoY)-9.57%-10.53%-12.23%-14.00%-16.17%-660 bps
Deposit Growth (YoY)-9.00%-18.58%-22.76%-10.63%-2.33%+667 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.38%5.20%-0.03%-0.18%1.39%-99 bps
Allowance / Loans2.47%2.73%2.84%3.15%2.91%+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 Capital8.29%5.23%4.95%4.79%4.06%-423 bps
Equity / Assets5.01%2.78%2.56%2.37%2.02%-300 bps
Liquidity & Funding
Loans / Deposits85.83%84.82%77.46%72.07%73.67%-1,216 bps
Liquid Assets / Assets8.92%9.33%11.16%13.80%11.66%+275 bps
CRE / Total Capitaln/an/an/an/an/an/an/a