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Slavie Federal Savings Bank

Bel Air, MD · Cert 32368

FDIC

Q1 2014

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: Q1 2014, the quarter ended March 31, 2014, 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

Slavie Federal Savings Bank

Bel Air, MD · Cert 32368

FDIC

Q1 2014

$140.1MAssets
$91.9MLoans
$111.1MDeposits
$2.9MEquity
Loan mix
100%RE $84.8M0%C&I $0.0M0%Consumer $0.3MQ1 2013Q1 2014
Deposit mix
97%Interest-bearing $108.2M3%Noninterest $2.9MQ1 2013Q1 2014

NIM

4.12%Q1 ’123.93%Q1 ’133.39%Q1 ’14+7%-18%

Non-interest income vs. expense

2.52%Q1 ’123.75%Q1 ’134.11%Q1 ’14+134%-35%

Executive Summary

  • Earnings: ROA of -1.30%, up 176 bps year over year; NIM at 2.06%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.56%.
  • Funding: loans stand at 82.65% of deposits as of Q1 2014.

Financial Results

Return on Assets (YTD, annualized)

-1.30%+176 bps YoY

Net Interest Margin (YTD, annualized)

2.06%-45 bps YoY

Efficiency Ratio (YTD, annualized)

145.74%-19,395 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets-3.05%-2.52%-2.50%-2.37%-1.30%+176 bps
Return on Equity-85.18%-73.70%-77.47%-78.33%-60.55%+2,463 bps
Net Interest Margin2.51%2.49%2.41%2.35%2.06%-45 bps
Efficiency Ratio340%236%221%213%145.74%-19,395 bps
Non-Interest Burden5.16%4.84%4.81%4.70%3.35%-181 bps
Growth
Asset Growth (YoY)-13.59%-13.36%-13.61%-10.95%-11.24%+235 bps
Loan Growth (YoY)-16.41%-16.66%-18.96%-15.32%-13.04%+337 bps
Deposit Growth (YoY)-11.09%-11.08%-11.43%-11.25%-12.26%-117 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.47%1.80%2.42%2.05%-0.56%-403 bps
Allowance / Loans4.60%4.76%4.32%4.06%4.34%-25 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 Capital6.66%6.86%6.01%5.14%5.13%-153 bps
Equity / Assets3.23%3.09%2.58%2.18%2.09%-113 bps
Liquidity & Funding
Loans / Deposits83.40%83.18%79.99%83.57%82.65%-75 bps
Liquid Assets / Assets25.00%25.18%26.22%23.35%24.43%-57 bps
CRE / Total Capitaln/an/an/an/an/an/an/a