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Gold Coast Bank

Islandia, NY · Cert 58654

FDIC · 7 branches

Q4 2019

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: Q4 2019, the quarter ended December 31, 2019, 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

Gold Coast Bank

Islandia, NY · Cert 58654

FDIC · 7 branches

Q4 2019

$559.8MAssets
$467.4MLoans
$465.0MDeposits
$60.4MEquity
Loan mix
97%RE $288.3M3%C&I $9.2M0%Consumer $1.2MQ4 2018Q4 2019
Deposit mix
80%Interest-bearing $371.8M20%Noninterest $93.2MQ4 2018Q4 2019

NIM

3.52%Q4 ’173.76%Q4 ’184.04%Q4 ’19-6%-7%

Non-interest income vs. expense

2.24%Q4 ’172.07%Q4 ’181.85%Q4 ’19-6%-13%

Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2019 SOD (annual) · 0.0% share · #104 of 187 inst. · $0.5B of $1861.3B

0.7% Suffolk
0.1% Nassau
0.0% Kings

Executive Summary

  • Earnings: ROA of 0.63%, up 6 bps year over year; NIM at 2.59%.
  • Asset quality: problem loans at 0.60% of loans (+60 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.51%, down 7 bps from a year ago.
  • Funding: loans stand at 100.52% of deposits as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

0.63%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.59%-21 bps YoY

Efficiency Ratio (YTD, annualized)

68.48%-397 bps YoY

Tier 1 Leverage Ratio

10.51%-7 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets0.57%0.59%0.62%0.65%0.63%+6 bps
Return on Equity5.31%5.77%6.01%6.23%6.02%+71 bps
Net Interest Margin2.80%2.72%2.67%2.62%2.59%-21 bps
Efficiency Ratio72.45%68.71%67.89%67.22%68.48%-397 bps
Non-Interest Burden2.01%1.85%1.79%1.74%1.74%-27 bps
Growth
Asset Growth (YoY)18.23%10.55%14.83%3.66%0.63%-1,760 bps
Loan Growth (YoY)16.98%18.22%16.16%6.77%4.75%-1,222 bps
Deposit Growth (YoY)20.94%14.27%15.57%-3.76%-2.79%-2,372 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.61%0.60%+60 bps
Net Charge-Offs / Loans0.02%-0.02%-0.02%-0.02%-0.01%-3 bps
Allowance / Loans0.96%0.96%0.98%0.99%0.98%+2 bps
Allowance Coverage of NPLsn/an/an/a1.6x1.6xn/a
Capital
Tier 1 Leverage Ratio10.58%10.40%10.38%10.43%10.51%-7 bps
Total Risk-Based Capital15.09%14.71%14.93%15.29%15.15%+6 bps
Equity / Assets10.21%10.32%10.39%10.70%10.78%+58 bps
Liquidity & Funding
Loans / Deposits93.29%94.47%95.78%98.76%100.52%+724 bps
Liquid Assets / Assets7.76%5.25%5.68%5.76%4.89%-287 bps
CRE / Total Capitaln/an/an/an/an/an/an/a