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Flatbush Federal Savings and Loan Association

New York, NY · Cert 29435

FDIC

Q3 2012

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 2012, the quarter ended September 30, 2012, 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

Flatbush Federal Savings and Loan Association

New York, NY · Cert 29435

FDIC

Q3 2012

$137.4MAssets
$84.3MLoans
$112.7MDeposits
$17.7MEquity
Deposit mix
95%Interest-bearing $107.0M5%Noninterest $5.7MQ3 2011Q3 2012

NIM

4.26%Q1 ’124.16%Q2 ’124.26%Q3 ’12-3%+3%

Non-interest income vs. expense

3.55%Q1 ’125.03%Q2 ’125.47%Q3 ’12+65%+56%

Executive Summary

  • Earnings: ROA of 3.47%, up 413 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.26%.
  • Funding: loans stand at 74.87% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

3.47%+413 bps YoY

Net Interest Margin (YTD, annualized)

3.26%

Efficiency Ratio (YTD, annualized)

45.22%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-0.66%-0.38%13.39%5.79%3.47%+413 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a3.24%3.16%3.26%n/a
Efficiency Ration/an/a12.58%31.88%45.22%n/a
Non-Interest Burdenn/an/a-21.46%-7.59%-3.36%n/a
Growth
Asset Growth (YoY)-3.74%-2.92%0.37%2.28%-4.79%-105 bps
Loan Growth (YoY)-10.06%-10.54%-12.44%-12.18%-14.85%-479 bps
Deposit Growth (YoY)-4.04%-2.06%1.47%3.56%-1.98%+207 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a5.98%3.25%2.26%n/a
Allowance / Loansn/an/a1.17%1.22%1.30%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/a25.60%24.90%25.44%n/a
Equity / Assetsn/an/a12.85%12.64%12.91%n/a
Liquidity & Funding
Loans / Deposits86.19%82.60%76.76%74.88%74.87%-1,132 bps
Liquid Assets / Assets0.00%0.00%21.18%22.11%23.63%+2,363 bps
CRE / Total Capitaln/an/an/an/an/an/an/a