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Lincoln Park Savings Bank

Lincoln Park, NJ · Cert 28963

FDIC · 2 branches

Q2 2022

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: Q2 2022, the quarter ended June 30, 2022, 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

Lincoln Park Savings Bank

Lincoln Park, NJ · Cert 28963

FDIC · 2 branches

Q2 2022

$264.2MAssets
$160.9MLoans
$184.2MDeposits
$11.4MEquity
Loan mix
96%RE $135.4M4%C&I $5.0M0%Consumer $0.2MQ2 2021Q2 2022
Deposit mix
77%Interest-bearing $142.0M23%Noninterest $42.2MQ2 2021Q2 2022

NIM

3.47%Q2 ’202.71%Q2 ’212.66%Q2 ’22-17%+8%

Non-interest income vs. expense

2.43%Q2 ’202.35%Q2 ’214.29%Q2 ’22-25%+128%

Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2022 SOD (annual) · 0.0% share · #128 of 162 inst. · $0.2B of $2794.5B

Executive Summary

  • Earnings: ROA of -2.06%, down 200 bps year over year; NIM at 1.74%.
  • Asset quality: problem loans at 0.09% of loans (-153 bps YoY), with net recoveries of 0.15%.
  • Capital: tier 1 leverage ratio of 5.94%, down 59 bps from a year ago.
  • Funding: loans stand at 87.35% of deposits as of Q2 2022.

Financial Results

Return on Assets (YTD, annualized)

-2.06%-200 bps YoY

Net Interest Margin (YTD, annualized)

1.74%+12 bps YoY

Efficiency Ratio (YTD, annualized)

220%+11,240 bps YoY

Tier 1 Leverage Ratio

5.94%-59 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets-0.06%-0.25%-0.25%-0.41%-2.06%-200 bps
Return on Equity-0.92%-3.97%-3.88%-6.51%-36.41%-3,549 bps
Net Interest Margin1.62%1.77%1.82%1.77%1.74%+12 bps
Efficiency Ratio107.97%114.88%119.62%145.20%220%+11,240 bps
Non-Interest Burden1.79%2.10%2.25%2.67%4.08%+229 bps
Growth
Asset Growth (YoY)-3.96%-12.74%-16.47%-12.13%-6.54%-257 bps
Loan Growth (YoY)-13.85%-8.23%-4.88%-7.49%-9.29%+457 bps
Deposit Growth (YoY)-4.61%-16.34%-22.05%-15.46%-6.43%-182 bps
Asset Quality
Nonperforming Loans / Loans1.63%1.26%1.38%0.57%0.09%-153 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.29%-0.15%-15 bps
Allowance / Loans1.45%1.37%1.40%1.35%1.33%-12 bps
Allowance Coverage of NPLs0.9x1.1x1.0x2.4x14.0x+13.1x
Capital
Tier 1 Leverage Ratio6.53%6.80%6.89%6.81%5.94%-59 bps
Total Risk-Based Capital13.93%13.85%14.21%14.54%12.58%-134 bps
Equity / Assets6.62%6.57%6.86%5.81%4.31%-231 bps
Liquidity & Funding
Loans / Deposits90.10%96.03%99.23%90.57%87.35%-275 bps
Liquid Assets / Assets6.94%4.98%5.01%12.40%15.47%+853 bps
CRE / Total Capitaln/an/an/an/an/an/an/a