PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $38.3MQ4 2010Q3 2012

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.

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
n/a

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%

Year to date, annualized, through each quarter.

MetricQ4 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.80%10.21%0.10%0.11%0.15%0.28%0.08%10.08%1-4 bps
Return on Equity11.20%2.76%1.30%1.48%1.94%3.63%1.05%0.96%-52 bps
Net Interest Margin2.04%2.29%2.24%2.21%2.17%2.04%1.88%1.75%-46 bps
Efficiency Ratio81.45%71.17%71.88%72.98%73.56%75.16%84.46%94.11%+2,113 bps
Non-Interest Burden1.64%1.60%1.58%1.58%1.57%1.50%1.57%1.64%+6 bps
Growth
Asset Growth (YoY)2.51%1.70%4.20%0.99%-0.67%0.72%-0.56%1.59%+59 bps
Loan Growth (YoY)-9.30%-8.94%-9.88%-9.26%-10.34%-12.33%-13.66%-14.34%-508 bps
Deposit Growth (YoY)2.71%1.80%1.74%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.43%0.59%1.13%0.86%0.84%0.75%0.91%0.74%-13 bps
Allowance / Loans0.78%0.87%1.02%1.21%1.21%1.26%1.35%1.34%+12 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/an/an/an/a
Total Risk-Based Capital26.02%26.55%26.78%26.64%26.61%28.73%28.94%28.40%+175 bps
Equity / Assets7.58%7.73%7.85%7.61%7.52%7.98%8.00%8.07%+46 bps
Liquidity & Funding
Loans / Deposits42.78%41.79%39.88%39.20%38.59%36.50%34.29%33.30%-589 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a