Acacia Federal Savings Bank

Falls Church, VA · Cert 32266

FDIC

Q3 2013

$585.7MAssets

$406.8MLoans

$456.9MDeposits

$122.9MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of 0.98%, up 26 bps year over year; NIM at 1.88%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.16%.
Funding: loans stand at 89.03% of deposits as of Q3 2013.

Return on Assets (quarter, annualized)

0.98%+26 bps YoY

Net Interest Margin (quarter, annualized)

1.88%-29 bps YoY

Efficiency Ratio (quarter, annualized)

67.36%+1,356 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 2012	Q4 2012	Q1 2013	Q2 2013	Q3 2013	YoY Δ	Trend
Earnings
Return on Assets	0.71%	-2.04%	0.50%	0.42%	0.98%	+26 bps
Return on Equity	5.76%	-14.65%	3.21%	2.41%	4.88%	-88 bps
Net Interest Margin	2.17%	2.15%	1.60%	1.81%	1.88%	-29 bps
Efficiency Ratio	53.80%	120.16%	97.87%	93.35%	67.36%	+1,356 bps
Non-Interest Burden	0.62%	6.93%	1.55%	1.65%	0.76%	+14 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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.14%	0.45%	-0.17%	0.26%	0.16%	+1 bps
Allowance / Loans	1.47%	1.59%	1.40%	1.24%	1.20%	-28 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	22.09%	34.59%	35.91%	39.10%	45.07%	+2,297 bps
Equity / Assets	12.83%	15.24%	16.19%	19.19%	20.98%	+816 bps
Liquidity & Funding
Loans / Deposits	122.94%	76.88%	78.84%	90.00%	89.03%	-3,390 bps
Liquid Assets / Assets	2.82%	28.78%	28.67%	21.46%	25.12%	+2,230 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a