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Polonia Bank

Huntingdon Valley, PA · Cert 29282

FDIC · 5 branches

Q4 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: Q4 2016, the quarter ended December 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 2026-10-12

Polonia Bank

Huntingdon Valley, PA · Cert 29282

FDIC · 5 branches

Q4 2016

$267.3MAssets
$163.6MLoans
$173.9MDeposits
$29.4MEquity
Loan mix
99%RE $159.2M0%C&I $0.0M1%Consumer $1.5MQ4 2015Q4 2016
Deposit mix
95%Interest-bearing $166.1M5%Noninterest $7.8MQ4 2015Q4 2016

NIM

3.77%Q4 ’143.54%Q4 ’153.34%Q4 ’16-9%-8%

Non-interest income vs. expense

3.99%Q4 ’143.72%Q4 ’153.77%Q4 ’16+1%+46%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2016 SOD (annual) · 0.0% share · #60 of 128 inst. · $0.2B of $449.8B

0.2% Philadelphia
0.3% Montgomery

Executive Summary

  • Earnings: ROA of -0.81%, down 80 bps year over year; NIM at 2.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 11.06%, down 15 bps from a year ago.
  • Funding: loans stand at 94.04% of deposits as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

-0.81%-80 bps YoY

Net Interest Margin (YTD, annualized)

2.25%-20 bps YoY

Efficiency Ratio (YTD, annualized)

164.35%+6,145 bps YoY

Tier 1 Leverage Ratio

11.06%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets-0.01%-0.34%-0.17%-0.21%-0.81%-80 bps
Return on Equity-0.05%-2.98%-1.52%-1.84%-7.14%-709 bps
Net Interest Margin2.45%2.19%2.17%2.21%2.25%-20 bps
Efficiency Ratio102.91%137.26%130.64%127.74%164.35%+6,145 bps
Non-Interest Burden2.58%3.04%2.88%2.87%3.76%+118 bps
Growth
Asset Growth (YoY)-5.26%-5.74%-2.69%-4.05%-8.49%-323 bps
Loan Growth (YoY)-20.35%-11.36%-13.72%-9.83%-5.69%+1,466 bps
Deposit Growth (YoY)-5.54%-4.56%-4.00%-7.87%-10.51%-497 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.13%0.06%0.03%0.22%0.17%+4 bps
Allowance / Loans0.73%0.73%0.73%0.61%0.61%-12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.21%11.11%11.24%11.44%11.06%-15 bps
Total Risk-Based Capital24.92%24.83%24.95%25.12%23.24%-168 bps
Equity / Assets11.17%11.30%11.41%11.62%10.98%-19 bps
Liquidity & Funding
Loans / Deposits89.24%88.72%89.48%93.57%94.04%+480 bps
Liquid Assets / Assets15.52%14.87%13.53%8.89%7.96%-756 bps
CRE / Total Capitaln/an/an/an/an/an/an/a