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Emigrant Savings Bank - Long Island

Westbury, NY · Cert 58167

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

Emigrant Savings Bank - Long Island

Westbury, NY · Cert 58167

FDIC

Q3 2012

$576.2MAssets
$206.9MLoans
$514.4MDeposits
$42.6MEquity
Deposit mix
94%Interest-bearing $484.5M6%Noninterest $29.9MQ3 2011Q3 2012

NIM

4.08%Q3 ’103.67%Q3 ’112.86%Q3 ’12-7%-23%

Non-interest income vs. expense

1.80%Q3 ’101.82%Q3 ’111.89%Q3 ’12+1%+6%

Executive Summary

  • Earnings: ROA of 0.07%, down 8 bps year over year; NIM at 1.85%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.48%.
  • Funding: loans stand at 40.22% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

0.07%1-8 bps YoY

Net Interest Margin (YTD, annualized)

1.85%-54 bps YoY

Efficiency Ratio (YTD, annualized)

99.89%+2,598 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.15%0.09%0.04%1-0.06%0.07%1-8 bps
Return on Equity1.99%1.20%0.52%-0.78%0.92%-107 bps
Net Interest Margin2.39%2.22%1.96%1.92%1.85%-54 bps
Efficiency Ratio73.90%78.06%97.74%101.22%99.89%+2,598 bps
Non-Interest Burden1.75%1.72%1.91%1.94%1.84%+10 bps
Growth
Asset Growth (YoY)1.90%1.66%3.22%3.30%5.54%+365 bps
Loan Growth (YoY)-17.43%-16.09%-13.97%-12.01%-10.91%+652 bps
Deposit Growth (YoY)3.30%2.34%2.54%3.94%4.79%+149 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.56%0.62%0.31%0.50%0.48%-8 bps
Allowance / Loans1.30%1.40%1.45%1.46%1.37%+6 bps
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 Capital21.62%21.39%22.56%22.48%22.56%+94 bps
Equity / Assets7.29%7.02%7.33%7.28%7.39%+10 bps
Liquidity & Funding
Loans / Deposits47.31%46.04%44.42%42.53%40.22%-709 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a