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Kosciuszko Federal Savings Bank

Baltimore, MD · Cert 32407

FDIC · 1 branch

Q3 2015

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 2015, the quarter ended September 30, 2015, 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

Kosciuszko Federal Savings Bank

Baltimore, MD · Cert 32407

FDIC · 1 branch

Q3 2015

$11.8MAssets
$7.7MLoans
$9.3MDeposits
$2.5MEquity
Deposit mix
98%Interest-bearing $9.1M2%Noninterest $0.2MQ3 2014Q3 2015

NIM

4.97%Q3 ’134.54%Q3 ’143.96%Q3 ’15-7%-15%

Non-interest income vs. expense

2.97%Q3 ’133.05%Q3 ’143.98%Q3 ’15+3%+32%

Market Position · Baltimore-Columbia-Towson, MD · 2015 SOD (annual) · 0.0% share · #59 of 65 inst. · $0.0B of $67.4B

Executive Summary

  • Earnings: ROA of -0.76%, down 130 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.38%.
  • Capital: tier 1 leverage ratio of 20.62%.
  • Funding: loans stand at 82.87% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.76%-130 bps YoY

Net Interest Margin (YTD, annualized)

3.28%-56 bps YoY

Efficiency Ratio (YTD, annualized)

121.50%+4,269 bps YoY

Tier 1 Leverage Ratio

20.62%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.54%0.17%-1.03%-0.17%-0.76%-130 bps
Return on Equity2.64%0.83%-4.94%-0.80%-3.63%-628 bps
Net Interest Margin3.84%3.78%3.28%3.32%3.28%-56 bps
Efficiency Ratio78.81%92.03%117.00%103.00%121.50%+4,269 bps
Non-Interest Burden3.02%3.48%3.84%3.42%3.98%+96 bps
Growth
Asset Growth (YoY)0.52%-4.09%-2.57%-2.14%-3.16%-368 bps
Loan Growth (YoY)-5.10%-13.29%-12.23%-14.81%-15.26%-1,016 bps
Deposit Growth (YoY)0.47%-5.34%-3.16%-2.41%-2.76%-324 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.58%0.56%0.38%+38 bps
Allowance / Loans0.95%0.98%1.03%0.83%0.86%-9 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a20.62%20.94%20.62%n/a
Total Risk-Based Capital44.62%44.12%45.52%47.13%47.35%+273 bps
Equity / Assets21.01%20.95%20.78%20.93%20.88%-13 bps
Liquidity & Funding
Loans / Deposits95.09%88.99%87.38%82.70%82.87%-1,222 bps
Liquid Assets / Assets22.61%25.76%26.77%30.13%30.48%+787 bps
CRE / Total Capitaln/an/an/an/an/an/an/a