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Eureka Bank

Pittsburgh, PA · Cert 28135

FDIC · 2 branches

Q4 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: Q4 2015, the quarter ended December 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 2026-10-10

Eureka Bank

Pittsburgh, PA · Cert 28135

FDIC · 2 branches

Q4 2015

$152.7MAssets
$136.2MLoans
$124.1MDeposits
$22.7MEquity
Loan mix
79%RE $88.9M20%C&I $22.9M1%Consumer $0.7MQ4 2014Q4 2015
Deposit mix
95%Interest-bearing $118.4M5%Noninterest $5.6MQ4 2014Q4 2015

NIM

4.72%Q4 ’134.39%Q4 ’144.50%Q4 ’15-3%+3%

Non-interest income vs. expense

2.41%Q4 ’132.35%Q4 ’142.67%Q4 ’15-1%+14%

Market Position · Pittsburgh, PA · 2015 SOD (annual) · 0.1% share · #34 of 54 inst. · $0.1B of $115.3B

Executive Summary

  • Earnings: ROA of 0.68%, down 36 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 14.75%.
  • Funding: loans stand at 109.73% of deposits as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

0.68%-36 bps YoY

Net Interest Margin (YTD, annualized)

3.95%+10 bps YoY

Efficiency Ratio (YTD, annualized)

66.30%+642 bps YoY

Tier 1 Leverage Ratio

14.75%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets1.04%1.01%1.01%0.82%0.68%-36 bps
Return on Equity7.16%7.16%7.11%5.77%4.73%-243 bps
Net Interest Margin3.85%3.88%3.85%3.86%3.95%+10 bps
Efficiency Ratio59.88%59.92%60.62%60.84%66.30%+642 bps
Non-Interest Burden2.27%2.28%2.30%2.33%2.59%+32 bps
Growth
Asset Growth (YoY)9.01%7.30%2.11%2.06%-2.35%-1,136 bps
Loan Growth (YoY)5.20%5.58%5.18%5.40%4.57%-63 bps
Deposit Growth (YoY)14.17%12.99%5.84%1.78%-5.17%-1,934 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.08%0.06%+6 bps
Allowance / Loans1.07%1.07%1.06%0.99%0.99%-8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a14.01%14.28%14.37%14.75%n/a
Total Risk-Based Capital23.42%22.76%22.62%21.95%21.94%-148 bps
Equity / Assets14.36%13.87%14.21%14.30%14.84%+48 bps
Liquidity & Funding
Loans / Deposits99.52%100.30%102.85%103.93%109.73%+1,022 bps
Liquid Assets / Assets9.09%8.30%6.51%6.03%4.31%-479 bps
CRE / Total Capitaln/an/an/an/an/an/an/a