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Hopkins Federal Savings Bank

Baltimore, MD · Cert 32372

FDIC · 2 branches

Q2 2016

$223.5MAssets
$54.8MLoans
$187.9MDeposits
$34.1MEquity
Loan mix
94%RE $43.3M4%C&I $2.0M1%Consumer $0.6MQ2 2015Q2 2016
Deposit mix
94%Interest-bearing $177.2M6%Noninterest $10.7MQ2 2015Q2 2016

NIM

3.22%Q2 ’142.68%Q2 ’152.39%Q2 ’16-24%-6%

Non-interest income vs. expense

1.52%Q2 ’141.73%Q2 ’152.09%Q2 ’16-3%+22%

Market Position · Baltimore-Columbia-Towson, MD · 2016 SOD (annual) · 0.3% share · #32 of 57 inst. · $0.2B of $70.1B

0.9% Baltimore
0.1% Baltimore (City)

Executive Summary

  • Earnings: ROA of 0.26%, down 13 bps year over year; NIM at 1.81%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.61%.
  • Capital: tier 1 leverage ratio of 14.24%, up 61 bps from a year ago.
  • Funding: loans stand at 29.20% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

0.26%-13 bps YoY

Net Interest Margin (YTD, annualized)

1.81%-12 bps YoY

Efficiency Ratio (YTD, annualized)

102.07%+2,138 bps YoY

Tier 1 Leverage Ratio

14.24%+61 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.38%0.33%0.28%0.51%0.26%-13 bps
Return on Equity2.85%2.38%2.01%3.51%1.73%-111 bps
Net Interest Margin1.94%2.04%2.04%1.76%1.81%-12 bps
Efficiency Ratio80.69%82.84%84.79%80.80%102.07%+2,138 bps
Non-Interest Burden1.53%1.65%1.70%1.38%1.86%+33 bps
Growth
Asset Growth (YoY)-10.96%-10.24%-8.13%-10.67%-9.36%+160 bps
Loan Growth (YoY)-12.60%-18.11%-13.61%-16.97%-15.61%-301 bps
Deposit Growth (YoY)-13.18%-12.62%-9.53%-12.28%-10.91%+227 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.07%-0.04%-0.05%-0.82%-0.61%-54 bps
Allowance / Loans2.72%2.95%2.98%3.10%2.74%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.63%14.24%14.76%13.85%14.24%+61 bps
Total Risk-Based Capital39.55%42.84%45.12%48.67%51.77%+1,222 bps
Equity / Assets13.83%14.34%14.34%15.00%15.23%+140 bps
Liquidity & Funding
Loans / Deposits30.82%29.29%29.49%29.34%29.20%-163 bps
Liquid Assets / Assets40.16%45.68%50.21%53.47%56.85%+1,669 bps
CRE / Total Capitaln/an/an/an/an/an/an/a