PackageTrendsPeer
Letter portraitLegal landscape

Saint Casimirs Savings Bank

Baltimore, MD · Cert 32327

FDIC · 4 branches

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

Saint Casimirs Savings Bank

Baltimore, MD · Cert 32327

FDIC · 4 branches

Q3 2017

$84.2MAssets
$15.4MLoans
$64.8MDeposits
$17.2MEquity
Deposit mix
100%Interest-bearing $64.8M0%Noninterest $0.0MQ3 2016Q3 2017

NIM

2.33%Q3 ’152.34%Q3 ’162.27%Q3 ’17+1%-5%

Non-interest income vs. expense

2.77%Q3 ’152.87%Q3 ’163.97%Q3 ’17+5%+41%

Market Position · Baltimore-Columbia-Towson, MD · 2017 SOD (annual) · 0.1% share · #39 of 56 inst. · $0.1B of $72.3B

0.2% Baltimore (City)
0.1% Baltimore

Executive Summary

  • Earnings: ROA of -1.84%, down 119 bps year over year; NIM at 1.95%.
  • Asset quality: problem loans at 2.77% of loans (+277 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 20.85%, down 88 bps from a year ago.
  • Funding: loans stand at 23.74% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-1.84%-119 bps YoY

Net Interest Margin (YTD, annualized)

1.95%-10 bps YoY

Efficiency Ratio (YTD, annualized)

188.50%+5,853 bps YoY

Tier 1 Leverage Ratio

20.85%-88 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-0.65%-0.93%-1.08%-0.87%-1.84%-119 bps
Return on Equity-3.07%-4.40%-5.17%-4.18%-8.86%-579 bps
Net Interest Margin2.05%2.04%1.87%1.91%1.95%-10 bps
Efficiency Ratio129.97%128.90%153.27%142.51%188.50%+5,853 bps
Non-Interest Burden2.71%2.67%2.95%2.77%3.83%+112 bps
Growth
Asset Growth (YoY)-5.58%-6.30%-5.89%-3.83%-4.71%+87 bps
Loan Growth (YoY)-6.69%-11.48%-10.70%-7.75%-7.83%-114 bps
Deposit Growth (YoY)-6.63%-6.76%-6.13%-3.47%-3.73%+290 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.11%1.39%2.77%+277 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.23%+23 bps
Allowance / Loans0.67%0.71%0.72%0.72%0.55%-12 bps
Allowance Coverage of NPLsn/an/a6.2x0.5x0.2xn/a
Capital
Tier 1 Leverage Ratio21.73%21.27%21.46%21.44%20.85%-88 bps
Total Risk-Based Capital76.47%76.74%75.12%76.69%74.99%-148 bps
Equity / Assets21.66%21.00%20.78%20.63%20.47%-119 bps
Liquidity & Funding
Loans / Deposits24.80%23.59%23.30%22.99%23.74%-105 bps
Liquid Assets / Assets50.85%49.07%46.43%45.71%42.52%-833 bps
CRE / Total Capitaln/an/an/an/an/an/an/a