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Hamptons State Bank

Southampton, NY · Cert 34624

FDIC

Q1 2011

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 2011, the quarter ended March 31, 2011, 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

Hamptons State Bank

Southampton, NY · Cert 34624

FDIC

Q1 2011

$68.1MAssets
$40.8MLoans
$57.8MDeposits
$4.6MEquity
Loan mix
72%RE $26.8M26%C&I $9.7M2%Consumer $0.6MQ1 2010Q1 2011
Deposit mix
71%Interest-bearing $41.0M29%Noninterest $16.8MQ1 2010Q1 2011

NIM

5.17%Q1 ’094.88%Q1 ’104.28%Q1 ’11+2%-7%

Non-interest income vs. expense

3.71%Q1 ’093.87%Q1 ’104.21%Q1 ’11+3%+13%

Executive Summary

  • Earnings: ROA of -0.46%, down 73 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Funding: loans stand at 70.68% of deposits as of Q1 2011.

Financial Results

Return on Assets (YTD, annualized)

-0.46%-73 bps YoY

Net Interest Margin (YTD, annualized)

3.59%-25 bps YoY

Efficiency Ratio (YTD, annualized)

108.47%+1,733 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2010Q2 2010Q3 2010Q4 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets0.27%10.30%0.26%0.23%1-0.46%-73 bps
Return on Equity3.52%3.89%3.34%3.11%-6.82%-1,034 bps
Net Interest Margin3.84%3.75%3.57%3.72%3.59%-25 bps
Efficiency Ratio91.14%89.69%91.23%92.70%108.47%+1,733 bps
Non-Interest Burden3.47%3.32%3.23%3.42%3.92%+45 bps
Growth
Asset Growth (YoY)0.44%-0.74%2.64%7.51%6.67%+623 bps
Loan Growth (YoY)-2.56%-2.86%-4.35%-6.46%-7.82%-526 bps
Deposit Growth (YoY)-0.07%2.18%10.96%5.28%9.19%+927 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.05%0.50%0.51%0.41%0.06%-99 bps
Allowance / Loans1.45%1.54%1.59%1.67%1.67%+22 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 Capital11.21%11.26%11.67%11.98%11.73%+51 bps
Equity / Assets7.91%7.69%7.82%6.80%6.69%-122 bps
Liquidity & Funding
Loans / Deposits83.72%76.48%66.36%70.99%70.68%-1,304 bps
Liquid Assets / Assets0.22%0.20%0.18%0.19%0.20%-2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a