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Highland Falls Federal Savings and Loan Association

Highland Falls, NY · Cert 28417

FDIC

Q2 2012

$39.2MAssets
$16.8MLoans
$32.7MDeposits
$5.9MEquity
Deposit mix
95%Interest-bearing $31.0M5%Noninterest $1.7MQ2 2011Q2 2012

NIM

3.02%Q1 ’122.95%Q2 ’12-3%

Non-interest income vs. expense

2.81%Q1 ’122.79%Q2 ’12-1%

Executive Summary

  • Earnings: ROA of -0.80%, down 61 bps year over year; NIM at 1.97%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 51.43% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.80%-61 bps YoY

Net Interest Margin (YTD, annualized)

1.97%

Efficiency Ratio (YTD, annualized)

138.93%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-0.19%-0.29%-0.39%-0.76%-0.80%-61 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a2.03%1.97%n/a
Efficiency Ration/an/an/a136.14%138.93%n/a
Non-Interest Burdenn/an/an/a2.78%2.76%n/a
Growth
Asset Growth (YoY)-2.87%1.96%-0.30%-1.32%-1.48%+140 bps
Loan Growth (YoY)-6.39%-5.43%-8.06%-8.42%-11.89%-550 bps
Deposit Growth (YoY)-3.28%2.69%0.11%-0.84%-0.90%+238 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.00%0.00%n/a
Allowance / Loansn/an/an/a1.20%1.28%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/a32.24%33.13%n/a
Equity / Assetsn/an/an/a15.27%15.03%n/a
Liquidity & Funding
Loans / Deposits57.84%54.47%55.11%55.12%51.43%-641 bps
Liquid Assets / Assets0.00%0.00%0.00%26.19%22.40%+2,240 bps
CRE / Total Capitaln/an/an/an/an/an/an/a