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Fraternity Federal Savings and Loan Association

Baltimore, MD · Cert 28283

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

Fraternity Federal Savings and Loan Association

Baltimore, MD · Cert 28283

FDIC · 4 branches

Q1 2016

$160.9MAssets
$112.2MLoans
$116.4MDeposits
$23.5MEquity
Deposit mix
95%Interest-bearing $110.4M5%Noninterest $6.0MQ1 2015Q1 2016

NIM

3.77%Q1 ’143.64%Q1 ’153.51%Q1 ’16-5%-7%

Non-interest income vs. expense

3.04%Q1 ’142.53%Q1 ’152.32%Q1 ’16-18%-9%

Market Position · Baltimore-Columbia-Towson, MD · 2015 SOD (annual) · 0.2% share · #37 of 65 inst. · $0.1B of $67.4B

0.8% Howard
0.3% Baltimore
0.1% Baltimore (City)
0.2% Carroll

Executive Summary

  • Earnings: ROA of 0.16%, down 1 bps year over year; NIM at 2.39%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.53%, down 4 bps from a year ago.
  • Funding: loans stand at 96.39% of deposits as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

0.16%-1 bps YoY

Net Interest Margin (YTD, annualized)

2.39%-18 bps YoY

Efficiency Ratio (YTD, annualized)

91.95%-224 bps YoY

Tier 1 Leverage Ratio

14.53%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets0.18%-0.54%-0.34%-0.30%0.16%-1 bps
Return on Equity1.21%-3.76%-2.34%-2.04%1.13%-8 bps
Net Interest Margin2.57%2.58%2.55%2.52%2.39%-18 bps
Efficiency Ratio94.20%94.77%97.46%98.03%91.95%-224 bps
Non-Interest Burden2.42%2.44%2.48%2.47%2.19%-23 bps
Growth
Asset Growth (YoY)-0.96%-1.83%-0.87%-1.40%-1.85%-89 bps
Loan Growth (YoY)1.29%-0.42%-1.55%-4.38%-6.64%-793 bps
Deposit Growth (YoY)-2.26%-2.40%-1.31%-1.70%-1.96%+31 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.06%1.58%1.16%0.88%0.00%+6 bps
Allowance / Loans1.37%1.40%1.34%1.36%1.38%+1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio14.57%14.31%14.49%14.44%14.53%-4 bps
Total Risk-Based Capital27.19%26.92%27.19%27.62%28.08%+89 bps
Equity / Assets14.58%14.32%14.51%14.47%14.59%+1 bps
Liquidity & Funding
Loans / Deposits101.23%100.03%98.91%97.81%96.39%-484 bps
Liquid Assets / Assets12.97%13.34%14.59%15.63%18.12%+515 bps
CRE / Total Capitaln/an/an/an/an/an/an/a