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Park Federal Savings Bank

Chicago, IL · Cert 28053

FDIC · 4 branches

Q1 2016

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 2016, the quarter ended March 31, 2016, 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

Park Federal Savings Bank

Chicago, IL · Cert 28053

FDIC · 4 branches

Q1 2016

$140.3MAssets
$75.5MLoans
$110.9MDeposits
$2.7MEquity
Loan mix
99%RE $71.1M1%C&I $0.7M0%Consumer $0.2MQ1 2015Q1 2016
Deposit mix
89%Interest-bearing $99.2M11%Noninterest $11.7MQ1 2015Q1 2016

NIM

3.61%Q1 ’143.63%Q1 ’153.39%Q1 ’16+5%-5%

Non-interest income vs. expense

3.99%Q1 ’144.81%Q1 ’154.64%Q1 ’16+27%-3%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2015 SOD (annual) · 0.0% share · #145 of 218 inst. · $0.1B of $384.6B

0.0% Cook
0.1% DuPage

Executive Summary

  • Earnings: ROA of -1.74%, down 3 bps year over year; NIM at 2.41%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.24%.
  • Capital: tier 1 leverage ratio of 1.77%, down 125 bps from a year ago.
  • Funding: loans stand at 68.10% of deposits as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

-1.74%-3 bps YoY

Net Interest Margin (YTD, annualized)

2.41%-13 bps YoY

Efficiency Ratio (YTD, annualized)

158.33%+258 bps YoY

Tier 1 Leverage Ratio

1.77%-125 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets-1.71%-1.52%-1.53%-1.43%-1.74%-3 bps
Return on Equity-52.71%-49.34%-51.78%-51.06%-84.47%-3,176 bps
Net Interest Margin2.54%2.53%2.55%2.60%2.41%-13 bps
Efficiency Ratio155.75%149.79%150.51%156.22%158.33%+258 bps
Non-Interest Burden4.26%4.07%4.12%4.39%4.12%-14 bps
Growth
Asset Growth (YoY)-11.15%-10.55%-10.98%-8.76%-8.95%+220 bps
Loan Growth (YoY)-13.04%-12.78%-13.89%-12.69%-13.42%-38 bps
Deposit Growth (YoY)-11.94%-11.64%-11.01%-6.48%-6.82%+513 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.34%0.32%0.25%0.29%-0.24%-58 bps
Allowance / Loans3.62%3.61%3.78%3.33%3.48%-15 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio3.02%2.73%2.42%2.20%1.77%-125 bps
Total Risk-Based Capital7.09%6.51%6.00%5.60%4.81%-228 bps
Equity / Assets3.10%2.74%2.53%2.20%1.92%-118 bps
Liquidity & Funding
Loans / Deposits73.29%73.35%71.90%68.77%68.10%-519 bps
Liquid Assets / Assets13.35%13.39%13.89%15.19%16.12%+278 bps
CRE / Total Capitaln/an/an/an/an/an/an/a