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Community National Bank

Great Neck, NY · Cert 57828

FDIC · 12 branches

Q1 2015

$950.5MAssets
$780.8MLoans
$825.4MDeposits
$82.1MEquity
Loan mix
72%RE $459.2M28%C&I $176.8M0%Consumer $0.4MQ2 2013Q1 2015
Deposit mix
73%Interest-bearing $601.9M27%Noninterest $223.5MQ2 2013Q1 2015

Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2014 SOD (annual) · 0.1% share · #77 of 226 inst. · $0.8B of $1405.9B

0.9% Nassau
0.3% Suffolk
0.0% New York
0.1% Queens

Executive Summary

  • Earnings: ROA of 0.60%, up 6 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.11%.
  • Capital: tier 1 leverage ratio of 8.74%.
  • Funding: loans stand at 94.59% of deposits as of Q1 2015.

Return on Assets (quarter, annualized)

0.60%+6 bps YoY

Net Interest Margin (quarter, annualized)

3.31%-38 bps YoY

Efficiency Ratio (quarter, annualized)

71.64%+287 bps YoY

Tier 1 Leverage Ratio

8.74%
n/a

NIM

4.10%Q1 ’134.15%Q1 ’143.80%Q1 ’15+4%-10%

Non-interest income vs. expense

2.88%Q1 ’132.95%Q1 ’142.63%Q1 ’15+0%-4%

Discrete quarter, annualized.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.45%0.13%0.48%0.54%0.47%0.56%0.37%0.60%+6 bps
Return on Equity4.41%1.42%5.38%6.10%5.49%6.86%4.50%7.03%+93 bps
Net Interest Margin3.61%3.53%3.46%3.69%3.45%3.38%3.37%3.31%-38 bps
Efficiency Ratio69.59%69.87%74.94%68.77%73.06%68.21%74.86%71.64%+287 bps
Non-Interest Burden2.32%2.31%2.51%2.35%2.42%2.15%2.45%2.27%-8 bps
Growth
Asset Growth (YoY)16.05%23.82%22.95%18.07%26.57%18.52%16.14%14.10%-397 bps
Loan Growth (YoY)22.97%34.16%29.27%23.54%31.96%21.79%14.99%16.48%-706 bps
Deposit Growth (YoY)14.32%27.78%21.96%20.48%35.04%19.21%20.63%16.53%-395 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.85%-0.04%0.00%0.00%0.44%0.12%-0.11%-11 bps
Allowance / Loans1.50%1.45%1.42%1.54%1.51%1.42%1.45%1.46%-9 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a8.74%n/an/a
Total Risk-Based Capital15.16%13.63%13.16%13.29%12.68%12.40%12.74%12.38%-91 bps
Equity / Assets9.98%8.94%8.75%8.80%8.28%8.10%8.42%8.64%-17 bps
Liquidity & Funding
Loans / Deposits93.68%88.84%96.26%94.63%91.55%90.76%91.76%94.59%-4 bps
Liquid Assets / Assets2.64%3.19%1.00%1.90%4.17%5.30%5.36%4.04%+214 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a