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Medina Savings and Loan Association

Medina, NY · Cert 30547

FDIC · 1 branch

Q2 2018

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 2018, the quarter ended June 30, 2018, 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

Medina Savings and Loan Association

Medina, NY · Cert 30547

FDIC · 1 branch

Q2 2018

$55.1MAssets
$26.8MLoans
$50.9MDeposits
$3.5MEquity
Loan mix
97%RE $25.9M1%C&I $0.2M3%Consumer $0.7MQ2 2017Q2 2018
Deposit mix
78%Interest-bearing $39.7M22%Noninterest $11.2MQ2 2017Q2 2018

NIM

3.25%Q2 ’163.37%Q2 ’173.36%Q2 ’18+5%-6%

Non-interest income vs. expense

3.55%Q2 ’163.46%Q2 ’173.14%Q2 ’18-2%-14%

Market Position · Rochester, NY · 2018 SOD (annual) · 0.3% share · #16 of 20 inst. · $0.1B of $18.9B

Executive Summary

  • Earnings: ROA of -0.28%, down 29 bps year over year; NIM at 2.71%.
  • Asset quality: problem loans at 0.94% of loans (+36 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 8.04%, down 50 bps from a year ago.
  • Funding: loans stand at 52.67% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

-0.28%-29 bps YoY

Net Interest Margin (YTD, annualized)

2.71%-16 bps YoY

Efficiency Ratio (YTD, annualized)

92.77%-679 bps YoY

Tier 1 Leverage Ratio

8.04%-50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets0.01%0.07%0.06%-0.78%-0.28%-29 bps
Return on Equity0.17%1.06%0.95%-11.70%-4.28%-446 bps
Net Interest Margin2.87%2.85%2.80%2.75%2.71%-16 bps
Efficiency Ratio99.56%97.81%97.80%94.08%92.77%-679 bps
Non-Interest Burden2.86%2.77%2.73%2.55%2.47%-39 bps
Growth
Asset Growth (YoY)4.24%3.18%2.95%7.41%4.27%+3 bps
Loan Growth (YoY)6.29%6.70%2.12%2.18%1.44%-486 bps
Deposit Growth (YoY)4.68%3.98%3.42%8.83%5.64%+96 bps
Asset Quality
Nonperforming Loans / Loans0.59%0.13%0.37%0.97%0.94%+36 bps
Net Charge-Offs / Loans0.17%0.19%0.21%-0.04%-0.04%-21 bps
Allowance / Loans1.20%1.13%1.05%1.06%1.08%-13 bps
Allowance Coverage of NPLs2.0x8.6x2.8x1.1x1.1x-0.9x
Capital
Tier 1 Leverage Ratio8.54%8.46%8.35%8.13%8.04%-50 bps
Total Risk-Based Capital20.94%21.09%21.01%20.57%20.67%-27 bps
Equity / Assets6.58%7.11%6.90%6.42%6.42%-15 bps
Liquidity & Funding
Loans / Deposits54.86%55.11%54.22%53.01%52.67%-219 bps
Liquid Assets / Assets33.40%33.15%33.29%34.61%35.10%+170 bps
CRE / Total Capitaln/an/an/an/an/an/an/a