Financial Highlights Report

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Financial Highlights
Period Ended
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 323,310 328,269 314,382 273,593 255,807
Total Net Loans 276,702 283,874 265,481 228,251 205,710
Total Deposits 235,560 222,615 216,691 182,934 185,561
Equity Attributable to Parent Company 31,544 31,513 31,056 31,775 21,760
Total Equity 31,544 31,513 31,056 31,775 21,760
COVID-19 Financial Disclosure
Paycheck Protection Program Loan($000) NA NA NA NA NA
PPP Loan Ratio(%) NA NA NA NA NA
COVID-19 Loan Modification($000) NA NA NA NA NA
COVID-19 Loan Modification Ratio(%) NA NA NA NA NA
Processing Fees on PPP Loans($000) NA NA NA NA NA
Profitability (%)
Net Income($000) (513) 135 211 854 513
Net Income Attributable to Parent($000) (513) 135 211 854 513
ROAA (0.16) 0.04 0.07 0.33 0.21
Core ROAA (0.09) 0.04 0.15 0.32 0.18
ROAE (1.64) 0.43 0.66 3.30 2.36
ROATCE (1.64) 0.43 0.66 3.30 2.36
Core ROAE (0.92) 0.43 1.38 3.21 2.04
Net Interest Margin 2.59 2.79 2.85 2.87 2.91
Reported: Net Interest Margin 2.59 2.79 2.85 2.87 2.91
Efficiency Ratio 100.08 95.63 91.84 87.68 92.28
Noninterest Inc/ Operating Rev 19.28 24.09 31.01 33.57 28.27
Balance Sheet Ratios (%)
Loans/ Deposits 117.23 127.26 121.82 124.19 109.20
Securities/ Assets 8.06 8.54 8.96 10.25 13.81
Total Equity/ Total Assets 9.76 9.60 9.88 11.61 8.51
Tangible Equity/ Tangible Assets 9.76 9.60 9.88 11.61 8.51
Tang Common Equity/ Tang Assets 9.76 9.60 9.88 11.61 8.51
Asset Quality (%)
NPAs/ Assets 0.55 0.03 0.05 0 0.03
NPA Excl Restructured/ Assets 0.55 0.03 0.05 0 0.03
NPAs & 90+ PD/ Assets 0.55 0.03 0.05 0 0.03
NPAs/ Loans & REO 0.64 0.04 0.06 0 0.04
Nonaccrual & 90+ & OREO/ Assets 0.55 0.03 0.05 0 0.03
NPAs & 90+ PD/ Loans & REO 0.64 0.04 0.06 0 0.04
NPA & Loans 90+/ Tangible Common Equity + LLR 5.38 0.30 0.47 0 0.36
NCOs/ Avg Loans 0.08 0 0 0 0
Loan Loss Reserves/ Gross Loans 0.59 0.55 0.47 0.43 0.39
Reserves/ NPAs 91.98 NM 824.18 NM 989.02
Loan Loss Provision/ NCO 137.21 NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA NA NA NA NA
Tier 1 Capital($000) NA NA NA NA NA
Tier 2 Capital($000) NA NA NA NA NA
Total Capital($000) NA NA NA NA NA
Total Risk-weighted Assets($000) NA NA NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA NA NA NA NA
Tier 1 Ratio(%) NA NA NA NA NA
Total Capital Ratio(%) NA NA NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA NA NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 1,940,661 1,940,661 1,934,853 1,941,688 1,936,777
Avg Diluted Shares(actual) 1,859,000 1,853,000 1,899,473 1,899,552 1,893,582
Basic Book Value per Share 16.25 16.24 16.05 16.36 11.24
Book Value per Share, As Reported 16.96 17.07 16.49 16.44 11.49
Basic Tangible Book Value per Share 16.25 16.24 16.05 16.36 11.24
Tangible Book Value per Share, As Reported 16.96 17.07 16.49 16.44 11.49
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra (0.28) 0.07 0.11 0.45 0.27
EPS after Extra Growth(%) NM (36.40) (77.60) 68.90 (23.70)
Core EPS (0.16) 0.07 0.23 0.44 0.23
Core EPS Growth(%) NM (69.40) (52.10) 89.90 (33.70)
Diluted EPS before Amortization (0.28) 0.07 0.11 0.45 0.27
Pre-Provision Earnings per Share (0.02) 0.19 0.30 0.44 0.24
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.
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Contact Information
FSB Bancorp, Inc.,
45 South Main Street
Fairport, NY 14450
(585) 223-9080

IR Contact
Mr. Kevin Maroney
President & Chief Executive Officer
Fairport Savings Bank
Fairport, NY 14450
(585) 381-4040, ext 633
kmaroney@fairportsavingsbank.com

Transfer Agent
Computershare Investor Services LLC
Two North Lasalle Street
Third Floor
Chicago, IL 60602
(312) 588-4990