Polonia Bank

Huntingdon Valley, PA · Cert 29282

FDIC · 5 branches

Q4 2016

$267.3MAssets

$163.6MLoans

$173.9MDeposits

$29.4MEquity

Loan mix

Deposit mix

NIM

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

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%.

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.

Metric	Q4 2015	Q1 2016	Q2 2016	Q3 2016	Q4 2016	YoY Δ	Trend
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 Margin	2.45%	2.19%	2.17%	2.21%	2.25%	-20 bps
Efficiency Ratio	102.91%	137.26%	130.64%	127.74%	164.35%	+6,145 bps
Non-Interest Burden	2.58%	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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.13%	0.06%	0.03%	0.22%	0.17%	+4 bps
Allowance / Loans	0.73%	0.73%	0.73%	0.61%	0.61%	-12 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	11.21%	11.11%	11.24%	11.44%	11.06%	-15 bps
Total Risk-Based Capital	24.92%	24.83%	24.95%	25.12%	23.24%	-168 bps
Equity / Assets	11.17%	11.30%	11.41%	11.62%	10.98%	-19 bps
Liquidity & Funding
Loans / Deposits	89.24%	88.72%	89.48%	93.57%	94.04%	+480 bps
Liquid Assets / Assets	15.52%	14.87%	13.53%	8.89%	7.96%	-756 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a