Aig Federal Savings Bank

Wilmington, DE · Cert 35267

FDIC · 1 branch

Q4 2022

$41.9MAssets

n/aLoans

n/aDeposits

$40.9MEquity

Deposit mix

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2022 SOD (annual) · 0.0% share · #92 of 100 inst. · $0.0B of $598.9B

Executive Summary

Return on Assets (quarter, annualized)

9.21%+307 bps YoY

Net Interest Margin (quarter, annualized)

3.35%+310 bps YoY

Efficiency Ratio (quarter, annualized)

26.23%-1,309 bps YoY

Tier 1 Leverage Ratio

98.18%+24 bps YoY

Discrete quarter, annualized.

Metric	Q1 2021	Q2 2021	Q3 2021	Q4 2021	Q1 2022	Q2 2022	Q3 2022	Q4 2022	YoY Δ	Trend
Earnings
Return on Assets	6.47%	6.53%	6.55%	6.14%	6.12%	6.99%	8.02%	9.21%	+307 bps
Return on Equity	6.71%	6.77%	6.77%	6.34%	6.29%	7.20%	8.30%	9.47%	+314 bps
Net Interest Margin	0.31%	0.27%	0.24%	0.24%	0.29%	0.70%	1.97%	3.35%	+310 bps
Efficiency Ratio	41.96%	36.97%	35.09%	39.32%	42.57%	33.43%	29.56%	26.23%	-1,309 bps
Non-Interest Burden	-8.10%	-8.49%	-8.53%	-7.97%	-7.82%	-8.59%	-8.71%	-8.90%	-93 bps
Growth
Asset Growth (YoY)	2.09%	1.84%	1.17%	6.54%	4.92%	6.56%	6.93%	6.23%	-31 bps
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	0.00%	0.00%	0.00%	0.00%	-100.00%	0.00%	0.00%	-100.00%	-10,000 bps
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	97.54%	97.80%	97.71%	97.95%	97.99%	97.86%	97.62%	98.18%	+24 bps
Total Risk-Based Capital	97.54%	97.80%	97.71%	97.95%	97.99%	97.86%	97.62%	98.18%	+24 bps
Equity / Assets	96.28%	96.65%	96.91%	96.85%	97.58%	96.47%	96.61%	97.71%	+86 bps
Liquidity & Funding
Loans / Deposits	0.00%	0.00%	0.00%	0.00%	n/a	0.00%	0.00%	n/a	n/a
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a