Provident Municipal Bank

Montebello, NY · Cert 57339

FDIC

Q3 2013

$819.6MAssets

n/aLoans

$757.1MDeposits

$61.1MEquity

Deposit mix

Executive Summary

Return on Assets (quarter, annualized)

0.62%¹-29 bps YoY

Net Interest Margin (quarter, annualized)

0.90%+2 bps YoY

Efficiency Ratio (quarter, annualized)

44.97%+737 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 2011	Q1 2012	Q2 2012	Q3 2012	Q4 2012	Q1 2013	Q2 2013	Q3 2013	YoY Δ	Trend
Earnings
Return on Assets	0.95%	1.09%¹	0.83%	0.91%¹	0.38%	0.50%	0.82%	0.62%¹	-29 bps
Return on Equity	9.49%	10.52%	8.43%	11.32%	4.90%	4.87%	7.54%	6.85%	-447 bps
Net Interest Margin	1.01%	0.83%	0.87%	0.88%	0.66%	0.64%	0.88%	0.90%	+2 bps
Efficiency Ratio	30.38%	37.53%	37.79%	37.60%	46.45%	49.46%	38.42%	44.97%	+737 bps
Non-Interest Burden	0.31%	0.31%	0.33%	0.33%	0.31%	0.32%	0.34%	0.40%	+7 bps
Growth
Asset Growth (YoY)	39.05%	43.78%	28.84%	42.97%	29.60%	-10.29%	-3.13%	-15.80%	-5,877 bps
Loan Growth (YoY)	n/a	-100.00%	n/a	1123%	n/a	n/a	n/a	-100.00%	-122,250 bps
Deposit Growth (YoY)	40.47%	46.63%	30.39%	46.66%	34.04%	-11.54%	-2.96%	-16.04%	-6,271 bps
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	0.00%	0.00%	0.00%	0.00%	n/a	n/a
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Allowance / Loans	n/a	n/a	n/a	0.00%	0.00%	0.00%	0.00%	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	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	35.32%	25.59%	33.46%	22.64%	30.36%	31.36%	37.70%	22.03%	-61 bps
Equity / Assets	12.58%	8.82%	11.05%	6.30%	10.14%	10.29%	11.50%	7.45%	+115 bps
Liquidity & Funding
Loans / Deposits	0.00%	0.00%	0.00%	0.05%	0.00%	0.01%	0.01%	0.00%	-5 bps
Liquid Assets / Assets	10.08%	6.76%	7.95%	4.05%	5.89%	9.96%	10.85%	6.73%	+268 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a