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Acacia Federal Savings Bank

Falls Church, VA · Cert 32266

FDIC

Q3 2013

$585.7MAssets
$406.8MLoans
$456.9MDeposits
$122.9MEquity
Loan mix
99%RE $335.1M0%C&I $1.3M0%Consumer $0.7MQ3 2012Q3 2013
Deposit mix
96%Interest-bearing $439.1M4%Noninterest $17.8MQ3 2012Q3 2013

NIM

4.02%Q1 ’124.17%Q3 ’123.38%Q3 ’13+16%-2%

Non-interest income vs. expense

1.64%Q1 ’121.83%Q3 ’122.50%Q3 ’13-10%+43%

Executive Summary

  • Earnings: ROA of 0.62%, up 53 bps year over year; NIM at 1.97%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 89.03% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

0.62%+53 bps YoY

Net Interest Margin (YTD, annualized)

1.97%-4 bps YoY

Efficiency Ratio (YTD, annualized)

84.68%+1,874 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.09%-0.39%0.50%0.47%0.62%+53 bps
Return on Equityn/an/a3.21%2.81%3.50%n/a
Net Interest Margin2.01%2.14%1.60%1.80%1.97%-4 bps
Efficiency Ratio65.94%120.16%97.87%95.64%84.68%+1,874 bps
Non-Interest Burden1.06%2.58%1.55%1.70%1.52%+46 bps
Growth
Asset Growth (YoY)-11.01%-21.03%-26.94%-34.06%-35.72%-2,471 bps
Loan Growth (YoY)-4.26%-40.76%-44.29%-48.03%-50.59%-4,634 bps
Deposit Growth (YoY)-1.39%-0.03%-10.15%-24.63%-31.78%-3,039 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.99%1.33%-0.17%0.04%0.08%-91 bps
Allowance / Loans1.47%1.59%1.40%1.24%1.20%-28 bps
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 Capital22.09%34.59%35.91%39.10%45.07%+2,297 bps
Equity / Assets12.83%15.24%16.19%19.19%20.98%+816 bps
Liquidity & Funding
Loans / Deposits122.94%76.88%78.84%90.00%89.03%-3,390 bps
Liquid Assets / Assets2.82%28.78%28.67%21.46%25.12%+2,230 bps
CRE / Total Capitaln/an/an/an/an/an/an/a