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Beacon Federal

East Syracuse, NY · Cert 35329

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

Beacon Federal

East Syracuse, NY · Cert 35329

FDIC

Q3 2012

$911.1MAssets
$702.1MLoans
$637.0MDeposits
$111.6MEquity
Loan mix
66%RE $438.8M7%C&I $46.0M27%Consumer $179.8MQ3 2011Q3 2012
Deposit mix
99%Interest-bearing $631.1M1%Noninterest $5.9MQ3 2011Q3 2012

NIM

4.54%Q1 ’124.40%Q2 ’124.56%Q3 ’12-4%+7%

Non-interest income vs. expense

2.39%Q1 ’122.31%Q2 ’122.42%Q3 ’12-3%+4%

Executive Summary

  • Earnings: ROA of 0.49%, down 15 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.79%.
  • Funding: loans stand at 110.22% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

0.49%-15 bps YoY

Net Interest Margin (YTD, annualized)

2.91%

Efficiency Ratio (YTD, annualized)

67.95%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.64%0.55%0.52%0.41%0.49%-15 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a2.84%2.73%2.91%n/a
Efficiency Ration/an/a68.73%69.31%67.95%n/a
Non-Interest Burdenn/an/a1.75%1.70%1.77%n/a
Growth
Asset Growth (YoY)1.10%-0.53%-0.88%-4.16%-14.91%-1,600 bps
Loan Growth (YoY)0.24%-2.58%-4.83%-6.90%-12.98%-1,322 bps
Deposit Growth (YoY)3.72%-0.12%-1.16%-0.09%-13.06%-1,678 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a3.11%2.06%1.79%n/a
Allowance / Loansn/an/a1.81%1.74%1.68%n/a
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 Capitaln/an/a15.29%15.60%16.81%n/a
Equity / Assetsn/an/a10.43%10.88%12.25%n/a
Liquidity & Funding
Loans / Deposits110.12%112.90%111.80%109.62%110.22%+10 bps
Liquid Assets / Assets0.00%0.00%4.24%3.93%1.66%+166 bps
CRE / Total Capitaln/an/an/an/an/an/an/a