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Community Mutual Savings Bank

Mount Vernon, NY · Cert 23047

FDIC · 6 branches

Q1 2015

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: Q1 2015, the quarter ended March 31, 2015, 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

Community Mutual Savings Bank

Mount Vernon, NY · Cert 23047

FDIC · 6 branches

Q1 2015

$266.6MAssets
$218.5MLoans
$214.2MDeposits
$22.7MEquity
Loan mix
83%RE $180.7M17%C&I $36.8M0%Consumer $0.0MQ1 2014Q1 2015
Deposit mix
86%Interest-bearing $185.3M14%Noninterest $28.9MQ1 2014Q1 2015

NIM

4.30%Q1 ’134.26%Q1 ’144.17%Q1 ’15-1%+4%

Non-interest income vs. expense

2.82%Q1 ’132.93%Q1 ’142.93%Q1 ’15+5%+1%

Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2014 SOD (annual) · 0.0% share · #141 of 226 inst. · $0.2B of $1405.9B

Executive Summary

  • Earnings: ROA of 0.39%, up 10 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 8.44%.
  • Funding: loans stand at 102.00% of deposits as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

0.39%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+13 bps YoY

Efficiency Ratio (YTD, annualized)

80.37%-255 bps YoY

Tier 1 Leverage Ratio

8.44%

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.29%0.30%0.32%0.34%0.39%+10 bps
Return on Equity3.75%3.84%4.00%4.24%4.64%+89 bps
Net Interest Margin3.43%3.34%3.37%3.45%3.56%+13 bps
Efficiency Ratio82.92%83.16%82.56%82.33%80.37%-255 bps
Non-Interest Burden2.82%2.76%2.76%2.82%2.84%+2 bps
Growth
Asset Growth (YoY)1.75%3.91%5.68%1.73%-0.34%-209 bps
Loan Growth (YoY)2.40%6.46%7.46%2.82%0.91%-149 bps
Deposit Growth (YoY)3.73%5.65%6.46%-1.99%-5.52%-925 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.12%0.07%0.06%0.12%0.08%-4 bps
Allowance / Loans0.30%0.31%0.33%0.30%0.32%+1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a8.44%n/an/a
Total Risk-Based Capital12.26%12.20%12.36%12.79%12.79%+53 bps
Equity / Assets7.84%7.91%7.97%8.29%8.50%+66 bps
Liquidity & Funding
Loans / Deposits95.50%97.05%98.60%102.26%102.00%+651 bps
Liquid Assets / Assets1.02%0.36%0.66%0.62%0.50%-52 bps
CRE / Total Capitaln/an/an/an/an/an/an/a