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Stoneham Savings Bank

Stoneham, MA · Cert 90286

FDIC

Q3 2013

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 2013, the quarter ended September 30, 2013, 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 2026-10-10

Stoneham Savings Bank

Stoneham, MA · Cert 90286

FDIC

Q3 2013

$328.4MAssets
$179.5MLoans
$254.6MDeposits
$33.1MEquity
Loan mix
97%RE $140.7M3%C&I $4.3M0%Consumer $0.1MQ3 2012Q3 2013
Deposit mix
86%Interest-bearing $218.6M14%Noninterest $36.1MQ3 2012Q3 2013

NIM

4.34%Q3 ’112.82%Q3 ’123.31%Q3 ’13-9%+10%

Non-interest income vs. expense

4.21%Q3 ’114.33%Q3 ’122.63%Q3 ’13-55%+54%

Executive Summary

  • Earnings: ROA of 0.30%, down 132 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 70.49% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

0.30%-132 bps YoY

Net Interest Margin (YTD, annualized)

2.90%+27 bps YoY

Efficiency Ratio (YTD, annualized)

81.97%+310 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets1.62%0.39%0.07%0.19%0.30%-132 bps
Return on Equity18.36%4.28%0.66%1.82%2.95%-1,542 bps
Net Interest Margin2.62%2.67%2.93%2.91%2.90%+27 bps
Efficiency Ratio78.86%102.81%93.01%87.46%81.97%+310 bps
Non-Interest Burden1.55%2.84%2.77%2.58%2.40%+84 bps
Growth
Asset Growth (YoY)-3.19%-0.04%-4.42%-4.19%0.78%+397 bps
Loan Growth (YoY)-16.73%-2.47%3.47%1.36%0.36%+1,709 bps
Deposit Growth (YoY)-4.22%-5.54%-1.15%-1.73%3.14%+736 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%-0.01%0.00%0.00%0.00%0 bps
Allowance / Loans0.12%0.15%0.17%0.19%0.20%+8 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 Capital14.86%14.09%14.23%14.53%15.29%+43 bps
Equity / Assets10.66%10.21%10.26%10.17%10.07%-59 bps
Liquidity & Funding
Loans / Deposits72.44%80.91%77.75%75.40%70.49%-195 bps
Liquid Assets / Assets1.75%10.61%11.81%14.04%15.63%+1,389 bps
CRE / Total Capitaln/an/an/an/an/an/an/a