raddon chart of the day october 30, 2012

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Source: Raddon Financial Group, National Consumer Research – Spring 2012

Raddon Chart of the DayOctober 30, 2012

Purpose of Non-Retirement Investment Portfolio

Although Want Portfolio to Grow, Uncomfortable with Fluctuating Returns

Sole Objective Is Maximum Growth over the Long Term

Primary Interested in Growth and Less Concerned about Fluctuating Concerns

Balance Between Growth and Safety with Some Protection from Inflation

Safety of Capital/Funds Is First Priority

4%

6%

6%

12%

17%





Consumer Financial Needs or Goals

2nd Home Purchase (Retirement/Vacation)

Build Enough Money to Invest in Business

Pay College Tuition

Purchase a Home

Improve Credit Rating

Reduce Taxes on Savings and Investment Income

Regain Money That Was Lost in the Market Decline

Reduce the Amount Owed on Credit Cards/Loans

Have Additional Retirement Income

0% 10% 20% 30% 40% 50% 60% 70% 80%

11%

13%

22%

22%

36%

39%

40%

41%

68%





Attitude About Interest Rates on Insured Deposits

58%

42%

Percent of All Households

Important to Shop Around

Not Worth Time to Compare Rates





Influence of a Rewards Program on a Customer Referral

34%

66%

Rewards Program Existence Influenced Recommendation

Rewards Program Existence Did Not In-fluence Recommendation

Base: Households That Made a PFI Recommendation and Received a Reward for the Referral





Most Households Were Not Rewarded ForRecommending Their PFI to Family/Friends

Yes, Both Parties Rewarded

Yes, I Received Reward

Yes, They Received Reward

No, Neither Rewarded

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

7% 4% 1%

88%

Base: Households That Made a PFI Recommendation





Primary Customers That Have RecommendedTheir PFI to Family Members and/or Friends

All Households Big Bank Primary Customers

Other Bank Primary Customers

Credit Union Primary Members

0%

10%

20%

30%

40%

50%

60%

70%

80%

48%

37%

50%

70%





Things That Consumers Have Put Off Given the Economy or Their Personal Financial Situation

None of the Above

Other

Purchase a Second Home

Recreational Purchase

Buy a Used Car

Purchase a New Home

Buy Major Household Appliance

Buy a New Car

Do Some Home Improvements

Take a Vacation

0% 5% 10% 15% 20% 25% 30% 35% 40%

37%

6%

3%

5%

11%

11%

14%

19%

27%

28%





Most Consumers Report That Their Job Situation Did NotPrevent Them From Applying For a Loan

15%

85%

Percent of All Households

Job Situation Prevented Applying for a Loan

Job Situation Did Not Prevent Applying for a Loan





Wage Earners Employment Status

Stably Employed Employed but Concerned

Unemployed Under Employed Retired0%

10%

20%

30%

40%

50%

60%

48%

14%

8%4%

26%

39%

18%13%

7%

23%

Primary Wage Earner's Employment StatusSecondary Wage Earner's Employment Status




Raddon Chart of the DaySeptember 27, 2012

Impact of the Economy on Consumers or an Immediate FamilyMember’s Employment Situation in the Past Two Years

Lost Job Reduced Hours/Pay Reduced Salary Benefits Reduced0%

5%

10%

15%

20%

25%

30%

25% 24%

16%15%

26%

20%

14% 13%

23%

19%

13%

18%

Spring '11 Fall '11 Spring '12





Some Consumers Perceive That They Are SeeingSigns That the Economy is Improving

See N

o Eviden

ce th

e Rec

ession Is

Over

Just Beg

un to Se

e Sign

s the R

ecess

ion Is En

ding

Definite

ly Se

e Evid

ence

Economy I

s Improvin

g

Not Sure

0%

20%

40%

60%

80%61%

21%6% 11%

69%

12% 5%13%

57%

16% 12% 15%

Spring '11 Fall '11 Spring '12





Consumer Perceptions of Their Personal Situation inthe Next Six Months in Comparison to Today

Better Shape About the Same Worse Shape0%

10%

20%

30%

40%

50%

60%

70%

29%

53%

10%

21%

55%

14%16%

53%

21%20%

57%

14%

20%

59%

15%20%

59%

15%

Spring '07 Spring '08 Spring '09 Spring '10 Spring '11 Spring '12