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Emigrant Savings Bank - Brooklyn/Queens

Brooklyn, NY · Cert 58169

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 - Brooklyn/Queens

Brooklyn, NY · Cert 58169

FDIC

Q3 2012

$811.5MAssets
$239.9MLoans
$720.2MDeposits
$65.5MEquity
Deposit mix
95%Interest-bearing $681.8M5%Noninterest $38.3MQ3 2011Q3 2012

NIM

3.48%Q3 ’103.43%Q3 ’112.72%Q3 ’12+9%-21%

Non-interest income vs. expense

1.73%Q3 ’101.69%Q3 ’111.71%Q3 ’12-3%+4%

Executive Summary

  • Earnings: ROA of 0.08%, down 4 bps year over year; NIM at 1.75%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.74%.
  • Funding: loans stand at 33.30% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

0.08%1-4 bps YoY

Net Interest Margin (YTD, annualized)

1.75%-46 bps YoY

Efficiency Ratio (YTD, annualized)

94.11%+2,113 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 Assets0.11%0.15%0.28%0.08%10.08%1-4 bps
Return on Equity1.48%1.94%3.63%1.05%0.96%-52 bps
Net Interest Margin2.21%2.17%2.04%1.88%1.75%-46 bps
Efficiency Ratio72.98%73.56%75.16%84.46%94.11%+2,113 bps
Non-Interest Burden1.58%1.57%1.50%1.57%1.64%+6 bps
Growth
Asset Growth (YoY)0.99%-0.67%0.72%-0.56%1.59%+59 bps
Loan Growth (YoY)-9.26%-10.34%-12.33%-13.66%-14.34%-508 bps
Deposit Growth (YoY)0.30%-0.61%0.39%0.42%0.81%+51 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.86%0.84%0.75%0.91%0.74%-13 bps
Allowance / Loans1.21%1.21%1.26%1.35%1.34%+12 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 Capital26.64%26.61%28.73%28.94%28.40%+175 bps
Equity / Assets7.61%7.52%7.98%8.00%8.07%+46 bps
Liquidity & Funding
Loans / Deposits39.20%38.59%36.50%34.29%33.30%-589 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