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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 $0.6MQ3 2014Q2 2016
Deposit mix
94%Interest-bearing $177.2M6%Noninterest $10.7MQ3 2014Q2 2016

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 -0.01%, down 38 bps year over year; NIM at 1.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.36%.
  • 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.

Return on Assets (quarter, annualized)

-0.01%-38 bps YoY

Net Interest Margin (quarter, annualized)

1.82%-2 bps YoY

Efficiency Ratio (quarter, annualized)

123.89%+4,295 bps YoY

Tier 1 Leverage Ratio

14.24%+61 bps YoY

NIM

3.27%Q2 ’142.56%Q2 ’152.39%Q2 ’16-29%-1%

Non-interest income vs. expense

1.47%Q2 ’141.80%Q2 ’152.51%Q2 ’16-6%+63%

Discrete quarter, annualized.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.43%-0.91%0.39%0.37%0.21%0.12%0.51%-0.01%-38 bps
Return on Equity3.52%-7.07%2.95%2.72%1.46%0.86%3.51%-0.05%-277 bps
Net Interest Margin2.03%2.14%2.00%1.84%2.05%1.82%1.76%1.82%-2 bps
Efficiency Ratio76.03%78.22%80.42%80.94%87.13%91.22%80.80%123.89%+4,295 bps
Non-Interest Burden1.50%1.64%1.61%1.41%1.76%1.64%1.38%2.30%+89 bps
Growth
Asset Growth (YoY)-11.45%-13.28%-9.95%-10.96%-10.24%-8.13%-10.67%-9.36%+160 bps
Loan Growth (YoY)-2.00%-7.13%-7.21%-12.60%-18.11%-13.61%-16.97%-15.61%-301 bps
Deposit Growth (YoY)-13.36%-15.40%-12.09%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-1.34%-0.21%0.22%-0.38%0.05%-0.09%-0.82%-0.36%+2 bps
Allowance / Loans2.44%2.64%2.59%2.72%2.95%2.98%3.10%2.74%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a13.27%13.63%14.24%14.76%13.85%14.24%+61 bps
Total Risk-Based Capital31.78%35.92%37.25%39.55%42.84%45.12%48.67%51.77%+1,222 bps
Equity / Assets12.44%13.23%13.49%13.83%14.34%14.34%15.00%15.23%+140 bps
Liquidity & Funding
Loans / Deposits31.26%30.88%30.99%30.82%29.29%29.49%29.34%29.20%-163 bps
Liquid Assets / Assets33.02%33.54%38.40%40.16%45.68%50.21%53.47%56.85%+1,669 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a