East Bridgewater Savings Bank

East Bridgewater, MA · Cert 90187

FDIC

Q4 2009

$139.6MAssets

$32.5MLoans

$86.9MDeposits

$12.5MEquity

Deposit mix

NIM

Earnings: ROA of 0.32%, up 48 bps year over year; NIM at 1.85%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
Funding: loans stand at 37.41% of deposits as of Q4 2009.

Return on Assets (YTD, annualized)

0.32%¹+48 bps YoY

Net Interest Margin (YTD, annualized)

1.85%-21 bps YoY

Efficiency Ratio (YTD, annualized)

136.20%+3,563 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 2008	Q1 2009	Q2 2009	Q3 2009	Q4 2009	YoY Δ	Trend
Earnings
Return on Assets	-0.17%	0.13%¹	-0.17%	-0.22%	0.32%¹	+48 bps
Return on Equity	-1.73%	1.52%	-1.97%	-2.54%	3.65%	+539 bps
Net Interest Margin	2.06%	2.13%	1.97%	1.94%	1.85%	-21 bps
Efficiency Ratio	100.56%	102.98%	115.30%	115.95%	136.20%	+3,563 bps
Non-Interest Burden	2.07%	2.20%	2.30%	2.27%	2.58%	+51 bps
Growth
Asset Growth (YoY)	7.96%	7.70%	3.34%	1.82%	3.98%	-398 bps
Loan Growth (YoY)	4.94%	-1.50%	0.16%	13.16%	15.42%	+1,048 bps
Deposit Growth (YoY)	-1.16%	2.09%	6.09%	1.46%	3.71%	+487 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Allowance / Loans	1.30%	1.31%	1.30%	1.16%	1.13%	-17 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	31.83%	32.17%	31.70%	30.64%	30.87%	-96 bps
Equity / Assets	8.81%	8.66%	8.42%	8.36%	8.96%	+15 bps
Liquidity & Funding
Loans / Deposits	33.62%	32.36%	31.87%	36.30%	37.41%	+380 bps
Liquid Assets / Assets	61.81%	59.17%	56.42%	57.39%	0.11%	-6,170 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a