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Llewellyn-Edison Savings Bank, FSB

West Orange, NJ · Cert 28655

FDIC · 4 branches

Q3 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: Q3 2015, the quarter ended September 30, 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

Llewellyn-Edison Savings Bank, FSB

West Orange, NJ · Cert 28655

FDIC · 4 branches

Q3 2015

$115.0MAssets
$35.4MLoans
$87.3MDeposits
$21.3MEquity
Loan mix
96%RE $32.9M4%C&I $1.5M0%Consumer $0.0MQ3 2014Q3 2015
Deposit mix
74%Interest-bearing $64.8M26%Noninterest $22.4MQ3 2014Q3 2015

NIM

2.97%Q3 ’132.80%Q3 ’142.54%Q3 ’15-2%-11%

Non-interest income vs. expense

2.69%Q3 ’132.83%Q3 ’143.09%Q3 ’15+6%+10%

Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2015 SOD (annual) · 0.0% share · #186 of 219 inst. · $0.1B of $1502.0B

0.3% Essex
0.2% Sussex

Executive Summary

  • Earnings: ROA of -0.56%, down 22 bps year over year; NIM at 2.07%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 18.60%.
  • Funding: loans stand at 40.57% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.56%-22 bps YoY

Net Interest Margin (YTD, annualized)

2.07%-25 bps YoY

Efficiency Ratio (YTD, annualized)

142.19%+2,585 bps YoY

Tier 1 Leverage Ratio

18.60%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets-0.34%-0.40%-0.60%-0.51%-0.56%-22 bps
Return on Equity-1.93%-2.27%-3.36%-2.83%-3.09%-117 bps
Net Interest Margin2.32%2.34%2.10%2.09%2.07%-25 bps
Efficiency Ratio116.34%121.45%133.13%131.58%142.19%+2,585 bps
Non-Interest Burden2.71%2.86%2.83%2.78%2.98%+27 bps
Growth
Asset Growth (YoY)-2.57%-3.33%-2.40%-6.78%-7.67%-510 bps
Loan Growth (YoY)-6.22%-12.82%-17.59%-16.48%-13.04%-682 bps
Deposit Growth (YoY)-2.38%-3.90%-2.52%-8.07%-9.19%-681 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.48%0.41%0.00%0.09%-0.03%-51 bps
Allowance / Loans1.11%1.31%1.64%1.61%1.62%+51 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a17.78%17.73%18.60%n/a
Total Risk-Based Capital52.27%57.36%53.04%51.37%49.91%-236 bps
Equity / Assets17.70%17.93%17.65%18.16%18.57%+86 bps
Liquidity & Funding
Loans / Deposits42.36%39.06%36.33%37.65%40.57%-180 bps
Liquid Assets / Assets62.85%65.03%67.48%66.47%64.13%+129 bps
CRE / Total Capitaln/an/an/an/an/an/an/a