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Marathon National Bank of New York

Astoria, NY · Cert 32698

FDIC

Q3 2012

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 2012, the quarter ended September 30, 2012, 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

Marathon National Bank of New York

Astoria, NY · Cert 32698

FDIC

Q3 2012

$893.6MAssets
$561.7MLoans
$772.6MDeposits
$116.8MEquity
Loan mix
88%RE $306.9M11%C&I $40.0M0%Consumer $0.9MQ3 2011Q3 2012
Deposit mix
72%Interest-bearing $555.1M28%Noninterest $217.5MQ3 2011Q3 2012

NIM

4.45%Q3 ’104.30%Q3 ’113.96%Q3 ’12+2%-5%

Non-interest income vs. expense

2.81%Q3 ’102.81%Q3 ’112.66%Q3 ’12-1%-5%

Executive Summary

  • Earnings: ROA of 0.64%, down 7 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.10%.
  • Funding: loans stand at 72.71% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

0.64%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.46%-17 bps YoY

Efficiency Ratio (YTD, annualized)

68.54%-13 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.72%0.67%0.74%0.78%0.64%-7 bps
Return on Equity5.49%5.16%5.88%6.14%5.02%-47 bps
Net Interest Margin3.63%3.47%3.41%3.54%3.46%-17 bps
Efficiency Ratio68.67%69.38%66.45%65.15%68.54%-13 bps
Non-Interest Burden2.51%2.45%2.28%2.31%2.38%-13 bps
Growth
Asset Growth (YoY)-0.77%5.03%7.16%9.74%7.42%+820 bps
Loan Growth (YoY)5.97%5.29%7.57%5.67%1.24%-473 bps
Deposit Growth (YoY)-1.56%5.22%7.27%10.32%7.68%+924 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%-0.02%-0.21%-0.09%-0.10%-11 bps
Allowance / Loans1.75%1.67%1.68%1.66%1.72%-3 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 Capital18.00%18.11%18.15%18.33%18.82%+81 bps
Equity / Assets13.30%12.73%12.61%12.88%13.07%-23 bps
Liquidity & Funding
Loans / Deposits77.33%72.51%72.58%73.75%72.71%-463 bps
Liquid Assets / Assets21.51%26.21%26.51%25.96%26.99%+548 bps
CRE / Total Capitaln/an/an/an/an/an/an/a