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Provident Municipal Bank

Montebello, NY · Cert 57339

FDIC

Q3 2013

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 2013, the quarter ended September 30, 2013, 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

Provident Municipal Bank

Montebello, NY · Cert 57339

FDIC

Q3 2013

$819.6MAssets
n/aLoans
$757.1MDeposits
$61.1MEquity
Deposit mix
57%Interest-bearing $434.3M43%Noninterest $322.8MQ3 2012Q3 2013

NIM

1.36%Q3 ’111.15%Q3 ’121.18%Q3 ’13-12%+3%

Non-interest income vs. expense

0.42%Q3 ’110.35%Q3 ’120.42%Q3 ’13-17%+22%

Executive Summary

  • Earnings: ROA of 0.62%, down 29 bps year over year; NIM at 0.95%.
  • Funding: loans stand at 0.00% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

0.62%-29 bps YoY

Net Interest Margin (YTD, annualized)

0.95%+3 bps YoY

Efficiency Ratio (YTD, annualized)

44.20%+656 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.91%10.81%10.50%0.66%0.62%-29 bps
Return on Equity10.08%8.77%4.87%6.21%6.41%-367 bps
Net Interest Margin0.92%0.70%0.64%0.87%0.95%+3 bps
Efficiency Ratio37.64%39.72%49.46%43.84%44.20%+656 bps
Non-Interest Burden0.34%0.28%0.32%0.38%0.42%+7 bps
Growth
Asset Growth (YoY)42.97%29.60%-10.29%-3.13%-15.80%-5,877 bps
Loan Growth (YoY)1123%n/an/an/a-100.00%-122,250 bps
Deposit Growth (YoY)46.66%34.04%-11.54%-2.96%-16.04%-6,271 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%n/an/a
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.00%0.00%0.00%0.00%n/an/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 Capital22.64%30.36%31.36%37.70%22.03%-61 bps
Equity / Assets6.30%10.14%10.29%11.50%7.45%+115 bps
Liquidity & Funding
Loans / Deposits0.05%0.00%0.01%0.01%0.00%-5 bps
Liquid Assets / Assets4.05%5.89%9.96%10.85%6.73%+268 bps
CRE / Total Capitaln/an/an/an/an/an/an/a