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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 $0.7MQ4 2011Q3 2013
Deposit mix
96%Interest-bearing $439.1M4%Noninterest $17.8MQ4 2011Q3 2013

Executive Summary

  • 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
n/a

NIM

4.02%Q1 ’123.97%Q3 ’123.01%Q3 ’13+25%-14%

Non-interest income vs. expense

1.64%Q1 ’121.81%Q3 ’122.31%Q3 ’13-47%+23%

Discrete quarter, annualized.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.12%-0.47%0.06%0.71%-2.04%0.50%0.42%0.98%+26 bps
Return on Equityn/an/a0.53%5.76%-14.65%3.21%2.41%4.88%-88 bps
Net Interest Marginn/a1.73%1.89%2.17%2.15%1.60%1.81%1.88%-29 bps
Efficiency Ration/a74.59%73.75%53.80%120.16%97.87%93.35%67.36%+1,356 bps
Non-Interest Burdenn/a1.18%1.24%0.62%6.93%1.55%1.65%0.76%+14 bps
Growth
Asset Growth (YoY)-14.98%-8.31%-8.43%-11.01%-21.03%-26.94%-34.06%-35.72%-2,471 bps
Loan Growth (YoY)-10.19%-5.16%-1.29%-4.26%-40.76%-44.29%-48.03%-50.59%-4,634 bps
Deposit Growth (YoY)-21.11%-12.07%-6.53%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a1.63%1.08%0.14%0.45%-0.17%0.26%0.16%+1 bps
Allowance / Loansn/a1.45%1.35%1.47%1.59%1.40%1.24%1.20%-28 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/a22.54%20.48%22.09%34.59%35.91%39.10%45.07%+2,297 bps
Equity / Assetsn/a12.24%12.00%12.83%15.24%16.19%19.19%20.98%+816 bps
Liquidity & Funding
Loans / Deposits129.74%127.15%130.52%122.94%76.88%78.84%90.00%89.03%-3,390 bps
Liquid Assets / Assets0.00%6.47%1.10%2.82%28.78%28.67%21.46%25.12%+2,230 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a