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NOTE: This statement has been prepared in accordance with the regulatory requirements of the Office of Thrift Supervision (OTS). Tangible, Core, and Total Capital are the elements of regulatory capital determined under such reporting requirements. Regulatory capital is the basis by which the OTS determines whether a savings association is operating in a safe and sound manner. As of March 31, 2007, Presidential Bank, FSB was in the "well capitalized" category as defined by OTS, with Core and Tangible Capital of $40,346,743 and Total Capital of $42,010,242, compared to the applicable minimum regulatory requirements of $7,900,957 for Tangible Capital, $21,069,218 for Core Capital, and $30,521,088 for Total Capital.
*APY = Annual Percentage Yield
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