0001104659-22-013926.txt : 20220208 0001104659-22-013926.hdr.sgml : 20220208 20220208170319 ACCESSION NUMBER: 0001104659-22-013926 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20220204 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20220208 DATE AS OF CHANGE: 20220208 FILER: COMPANY DATA: COMPANY CONFORMED NAME: NorthEast Community Bancorp, Inc./MD/ CENTRAL INDEX KEY: 0001847398 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036] IRS NUMBER: 000000000 STATE OF INCORPORATION: MD FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-40589 FILM NUMBER: 22602463 BUSINESS ADDRESS: STREET 1: 325 HAMILTON AVENUE CITY: WHITE PLAINS STATE: NY ZIP: 10601 BUSINESS PHONE: (914) 684-2500 MAIL ADDRESS: STREET 1: 325 HAMILTON AVENUE CITY: WHITE PLAINS STATE: NY ZIP: 10601 8-K 1 tm225760d1_8k.htm FORM 8-K
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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

 

FORM 8-K

CURRENT REPORT

 

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

 

Date of Report (Date of earliest event reported): February 4, 2022

 

NORTHEAST COMMUNITY BANCORP, INC.

(Exact Name of Registrant as Specified in Its Charter)

 

Maryland 001-40589 86-3173858
(State or other jurisdiction of (Commission (IRS Employer
incorporation or organization) File Number) Identification No.)

 

325 Hamilton Avenue, White Plains, New York 10601

(Address of principal executive offices) (Zip Code)

 

(914) 684-2500

(Registrant’s telephone number, including area code)

 

Not Applicable

(Former name or former address, if changed since last report)

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

 

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

 

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

 

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 

Securities registered pursuant to Section 12(b) of the Act:

 

Title of each class Trading symbol(s) Name of each exchange on which registered
Common Stock, par value $0.01 per share NECB The Nasdaq Stock Market LLC

 

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).

 

Emerging growth company x

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

 

 

 

 

 

Item 2.02Results of Operations and Financial Condition.

 

On February 4, 2022, NorthEast Community Bancorp, Inc. (the “Company”) issued a press release announcing its financial results for the three months and year ended December 31, 2021. A copy of the Company’s press release is attached as Exhibit 99.1 and is furnished herewith.

 

The information contained in this Item 2.02 and in Exhibit 99.1 shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific references in such a filing.

 

Item 9.01Financial Statements and Other Exhibits.

 

(d)Exhibits

 

NumberDescription
   
99.1Press Release dated February 4, 2022
   
104Cover Page Interactive Data File (embedded within the Inline XBRL document)

 

 

 

 

SIGNATURE

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned thereunto duly authorized.

 

    NORTHEAST COMMUNITY BANCORP, INC.
     
Date: February 8, 2022 By: /s/ Kenneth A. Martinek
    Kenneth A. Martinek
    Chairman and Chief Executive Officer

 

 

 

 EX-99.1 2 tm225760d1_ex99-1.htm EXHIBIT 99.1

 

Exhibit 99.1

 

NORTHEAST COMMUNITY BANCORP, INC. REPORTS RESULTS

FOR THE QUARTER AND YEAR ENDED DECEMBER 31, 2021

 

White Plains, New York, February 4, 2022 – NorthEast Community Bancorp, Inc. (Nasdaq: NECB) (the “Company”), the parent holding company of NorthEast Community Bank (the “Bank”), reported net income of $4.2 million, or $0.27 per basic and diluted common share, for the quarter ended December 31, 2021 compared to net income of $3.5 million, or $0.22 per basic and diluted common share, for the quarter ended December 31, 2020.

 

For the year ended December 31, 2021, the Company reported net income of $11.9 million, or $0.75 per basic and diluted common share, compared to $12.3 million, or $0.76 per basic and diluted common share. Earnings for the year ended December 31, 2021 were impacted by a $3.6 million write off reported in the third quarter of 2021.

 

Kenneth A. Martinek, NorthEast Community Bancorp’s Chairman of the Board and Chief Executive Officer, stated “We are pleased to report a strong finish to 2021 with a quarter of steady earnings and good asset quality, with no loans past due or in foreclosure at December 31, 2021. Despite the continuing COVID-19 pandemic, loan demand remained strong with originations increasing quarter over quarter. Our commitments, loans-in-process, and standby letters of credit outstanding totaled $749.0 million at December 31, 2021 compared to $565.3 million at December 31, 2020. At this time, we have one loan, with a conservative loan to value ratio, on deferral as a result of the COVID-19 pandemic. As has been in the past, construction lending for affordable housing units in high demand high absorption areas continues to be our focus.”

 

Highlights for the quarter and year ended at December 31, 2021 are as follows:

 

·Net income increased by $695,000, or 19.8%, for the quarter ended December 31, 2021 compared to the same period in the prior year.

 

·For the year ended December 31, 2021, the Company recorded net income of $11.9 million, or $0.75 per basic and diluted share.

 

·Net interest income increased by $1.4 million, or 13.9%, for the quarter ended December 31, 2021 compared to the same period in 2020 and by $4.3 million, or 11.0%, for the year ended December 31, 2021 compared to the same period in 2020.

 

·Asset quality metrics continued to remain strong with non-performing assets to total assets of 0.16% at December 31, 2021 compared to 0.58% at December 31, 2020. Our allowance for loan losses totaled $5.2 million, or 0.54% of total loans at December 31, 2021 compared to $5.1 million, or 0.62% of total loans at December 31, 2020.

 

·In accordance with the provisions of the Coronavirus Aid, Relief, and Economic Security Act (the “CARES Act”) since March 2020, we have granted pandemic-related loan payment deferrals to 196 loans totaling $190.9 million at the time payment deferral was requested. At December 31, 2021, we had one loan totaling $79,000 still in deferral status.

 

Balance Sheet Summary

 

Total assets increased by $256.8 million, or 26.5%, to $1.2 billion at December 31, 2021, from $968.2 million at December 31, 2020. The increase in assets was primarily due to increases in net loans of $148.4 million, cash and cash equivalents of $83.1 million, investment securities held-to-maturity of $10.5 million, investment in equity securities of $9.6 million, and premises and equipment of $5.2 million.

 

Cash and cash equivalents increased by $83.1 million, or 120.1%, to $152.3 million at December 31, 2021 from $69.2 million at December 31, 2020. The increase in cash was primarily attributable to an increase in deposits of $155.5 million coupled with an increase in stockholders’ equity primarily due to the completion of the second-step conversion offering that increased stockholders’ equity by $88.4 million, net of conversion costs. These sources of funds were deployed via an increase in loans of $148.4 million, an increase in investment securities held-to-maturity of $10.5 million, an increase in equity securities of $9.6 million, an increase in property and equipment of $5.2 million due primarily to the purchase of property for a new branch office, and cash dividends of $2.3 million.

 

 

 

 

Equity securities increased by $9.6 million, or 93.0%, to $19.9 million at December 31, 2021 from $10.3 million at December 31, 2020. The increase in equity securities was primarily attributed to the purchase of equity securities totaling $10.0 million, partially offset by market depreciation of $389,000.

 

Securities held-to-maturity increased by $10.5 million, or 142.2%, to $17.9 million at December 31, 2021 from $7.4 million at December 31, 2020. The increase was primarily due to the purchase of investment securities totaling $15.3 million, partially offset by maturities and pay-downs of $4.8 million.

 

Loans, net of the allowance for loan losses, increased by $148.4 million, or 18.1%, to $968.1 million at December 31, 2021 from $819.7 million at December 31, 2020. The increase in loans, net of the allowance for loan losses, was primarily due to loan originations of $727.3 million, consisting primarily of $603.4 million in construction loans with respect to which approximately 36.8% of the funds were disbursed at loan closings and the remaining funds to be disbursed over the terms of the construction loans.

 

Loan originations resulted in a net increase of $138.0 million in construction loans, $27.8 million in commercial and industrial loans, $1.3 million in mixed-use loans, and $1.0 million in one- to four-family loans. The increases in our loan portfolio were partially offset by decreases in non-residential loans of $13.7 million and multi-family loans of $6.1 million, coupled with normal pay-downs and principal reductions.

 

Premises and equipment increased by $5.2 million, or 28.0%, to $23.9 million at December 31, 2021 from $18.7 million at December 31, 2020 due to the acquisition of property for a new branch site located in Monsey, New York.

 

Foreclosed real estate was $2.0 million at both December 31, 2021 and December 31, 2020.

 

Right of use assets — operating decreased by $530,000, or 17.1%, to $2.6 million at December 31, 2021 from $3.1 million at December 31, 2020, primarily due to amortization.

 

Other assets decreased by $377,000, or 7.5%, to $4.7 million at December 31, 2021 from $5.1 million at December 31, 2020 due to a decrease in tax assets of $708,000 and a decrease in suspense accounts of $55,000, partially offset by an increase in prepaid expense of $365,000.

 

Total deposits increased by $155.5 million, or 20.1%, to $927.2 million at December 31, 2021 from $771.7 million at December 31, 2020. The increase was primarily due to an increase in non-interest bearing demand deposits of $109.5 million, or 49.5%, an increase in savings account balances of $83.2 million, or 81.8%, and an increase in NOW/money market accounts of $17.5 million, or 17.3%, from December 31, 2020 to December 31, 2021. These increases were partially offset by a decrease in certificates of deposit of $54.7 million, or 15.7%, from December 31, 2020 to December 31, 2021.

 

Federal Home Loan Bank advances were $28.0 million at both December 31, 2021 and December 31, 2020.

 

Advance payments by borrowers for taxes and insurance decreased by $374,000, or 16.6%, to $1.9 million at December 31, 2021 from $2.3 million at December 31, 2020 due primarily to the reduction in the commercial real estate loan portfolio.

 

Lease liability – operating decreased by $511,000, or 16.4%, to $2.6 million at December 31, 2021 from $3.1 million at December 31, 2020, primarily due to amortization.

 

Accounts payable and accrued expenses increased by $4.7 million, or 52.9%, to $13.5 million at December 31, 2021 from $8.8 million at December 31, 2020 due primarily to an increase in suspense accounts for loan closings of $2.7 million, an increase in deferred compensation of $496,000, an increase in dividend declared but not paid of $782,000, and an increase in accrued expenses of $692,000.

 

Stockholders’ equity increased by $97.6 million, or 63.4% to $251.4 million at December 31, 2021, from $153.8 million at December 31, 2020. The increase in stockholders’ equity was primarily a result of the completion of the second-step conversion offering which increased stockholders’ equity by $88.4 million, net of conversion costs, coupled with a $7.0 million from the retirement of treasury shares, offset by the $7.8 million cost related to the implementation of an employee stock ownership plan in connection with the second-step conversion.

 

 

 

 

The increase in stockholders’ equity was also due to net income of $11.9 million for the year ended December 31, 2021 and a reduction of $931,000 in unearned employee stock ownership plan shares, partially offset by dividends paid/declared of $2.9 million and $46,000 in other comprehensive income.

 

Net Interest Income

 

Net interest income totaled $11.7 million for the quarter ended December 31, 2021, as compared to $10.2 million for the quarter ended December 31, 2020. The increase in net interest income of $1.5 million, or 13.9%, was primarily due to an increase in interest income combined with a decrease in interest expense.

 

The increase in interest income is attributable to increases in loans, investment securities, equity securities, and interest-bearing deposits as we continued to deploy the proceeds raised in the second-step conversion. The decrease in interest expense is attributable to a decrease in the balances and cost of funds on our certificates of deposits, partially offset by increases in the balances and cost of funds in our interest-bearing demand deposits and our savings and club accounts.

 

In this regard, interest and dividend income increased by $833,000, or 7.0%, to $12.8 million for the quarter ended December 31, 2021 from $12.0 million for the quarter ended December 31, 2020 due to an increase in the average balance of interest earning assets of $196.9 million, or 22.3%, to $1.1 billion for the quarter ended December 31, 2021 from $881.7 million for the quarter ended December 31, 2020, partially offset by a decrease in the yield on interest earning assets by 69 basis points from 5.44% for the quarter ended December 31, 2020 to 4.75% for the quarter ended December 31, 2021.

 

Interest expense decreased by $593,000, or 33.9%, to $1.2 million for the quarter ended December 31, 2021 from $1.7 million for the quarter ended December 31, 2020 due to a decrease in the cost of interest bearing liabilities by 43 basis points from 1.22% for the quarter ended December 31, 2020 to 0.79% for the quarter ended December 31, 2021, partially offset by an increase in average interest bearing liabilities of  $8.3 million, or 1.5%, to $582.6 million for the quarter ended December 31, 2021 from $574.3 million for the quarter ended December 31, 2020.

 

Net interest margin decreased by 32 basis points, or 6.9%, during the quarter ended December 31, 2021 to 4.32% compared to 4.64% during the quarter ended December 31, 2020.

 

Net interest income totaled $43.3 million for the year ended December 31, 2021, as compared to $39.0 million for the year ended December 31, 2020. The increase in net interest income of $4.3 million, or 11.0%, was primarily due to the decrease in interest expense that exceeded a decrease in interest income.

 

In a manner consistent with the decrease in interest rates in response to the COVID-19 pandemic, our cost of interest bearing liabilities decreased much greater than our yield on interest earning assets as our interest bearing liabilities repriced much faster to lower rates than our yield on interest earning assets. In this regard, our cost of interest bearing liabilities decreased by 75 basis points from 1.65% for the year ended December 31, 2020 to 0.90% for the year ended December 31, 2021. Our yield on interest earning assets decreased by 67 basis points from 5.59% for the year ended December 31, 2020 to 4.92% for the year ended December 31, 2021.

 

Net interest margin decreased by 5 basis points, or 1.0%, during the year ended December 31, 2021 to 4.40% compared to 4.45% during the year ended December 31, 2020.

 

Provision for Loan Losses

 

The Company recorded no loan loss provision for the quarter ended December 31, 2021 compared to a loan loss provision of $53,000 for the quarter ended December 31, 2020. We had no charge-offs for the quarter ended December 31, 2021 compared to charge-offs totaling $354,000 for the quarter ended December 31, 2020. We recorded recoveries of $1,000 during each of the quarter ended December 31, 2021 and December 31, 2020.

 

The Company recorded a loan loss provision of $3.6 million for the year ended December 31, 2021 compared to a loan loss provision of $814,000 for the year ended December 31, 2020.

 

 

 

 

The provision recorded for the year ended December 31, 2021 was primarily attributed to the charge-off of $3.6 million during the quarter ended September 30, 2021 relating to a non-residential bridge loan secured by real estate with a balance of $3.6 million. The loan is secured by commercial real estate located in Greenwich, Connecticut and guaranteed by the two borrowers. The loan was originated in 2016 as a two-year bridge loan and, upon the borrower’s failure to satisfy the loan at the maturity date, the loan was accelerated and a foreclosure action was instituted. The loan remains in foreclosure but is subject to Connecticut’s continuing foreclosure backlog. The property securing the loan is subject to a parking easement and based on a recently updated appraisal showing the property’s value with the parking easement to be zero, the Company determined to write off the $3.6 million loan as a non-cash charge against the allowance for loan losses.

 

The Company is aggressively seeking recovery of all amounts due from the personal guarantors of the loan. However, the recovery process is uncertain and might take an extended period of time to resolve this matter. In the event the Company is successful against the guarantors, any recovery received would be added back to the allowance for loan losses and an analysis would be performed at that time to determine the appropriateness of the recovery into income.

 

The provision recorded for the year ended December 31, 2020 was primarily attributable to the perceived potential credit risk associated with the COVID-19 pandemic, although no specific or probable losses were identified at that time. Although the COVID-19 pandemic and the resulting recession has impacted the local economy, we have not experienced any significant deterioration of our borrowers’ ability to keep current in accordance with the terms of their obligations.

 

We charged-off $23,000 and $28,000 during the year ended December 31, 2021 and December 31, 2020, respectively, against various unpaid overdrafts in our demand deposit accounts. We recorded recoveries of $161,000 and $26,000 during the year ended December 31, 2021 and December 31, 2020, respectively.

 

Non-Interest Income

 

Non-interest income for the quarter ended December 31, 2021 was $601,000 compared to non-interest income of $613,000 for the quarter ended December 31, 2020. The decrease in total non-interest income was primarily due to unrealized loss on equity securities of $174,000 during the quarter ended December 31, 2021 compared to an unrealized loss on equity securities of $10,000 during the quarter ended December 31, 2020 and a decrease of $82,000 in other non-interest income. These decreases were partially offset by an increase of $148,000 in other loan fees and service charges, an increase of $27,000 in investment advisory fees, and a net loss of $59,000 on the sale of fixed assets that occurred during the quarter ended December 31, 2020 compared to none during the quarter ended December 31, 2021.

 

Non-interest income for the year ended December 31, 2021 was $2.4 million compared to non-interest income of $2.5 million for the year ended December 31, 2020. The decrease in total non-interest income was primarily due to an unrealized loss of $389,000 in our equity securities in the 2021 period compared to an unrealized gain of $288,000 in the comparable period in 2020, a decrease of $153,000 in other non-interest income, and a decrease of $9,000 in bank owned life insurance income. These were partially offset by an increase of $523,000 in other loan fees and service charges, an increase of $89,000 in investment advisory fees, and a net gain of $7,000 on the sale of fixed assets in the 2021 period compared to a net loss of $61,000 on the sale of fixed assets in the 2020 period.

 

Non-Interest Expense

 

Non-interest expense increased by $54,000, or 0.8%, to $6.8 million for the quarter ended December 31, 2021 from $6.7 million for the quarter ended December 31, 2020. The increase resulted primarily from increases of $197,000 in other operating expense, $86,000 in occupancy expense, and $31,000 in advertising expense, partially offset by decreases of $130,000 in real estate owned expense, $48,000 in impairment loss on goodwill, $38,000 in equipment expense, $38,000 in outside data processing expense, and $6,000 in salaries and employee benefits.

 

Non-interest expense increased by $1.4 million, or 5.5%, to $26.5 million for the year ended December 31, 2021 from $25.1 million for the year ended December 31, 2020. The increase resulted primarily from increases of $1.2 million in salaries and employee benefits, $405,000 in other operating expense, $183,000 in occupancy expense, and $76,000 in equipment expense, partially offset by decreases of $220,000 in real estate owned expense, $119,000 in outside data processing expense, $98,000 in impairment loss on goodwill, and $29,000 in advertising expense.

 

Income Taxes

 

We recorded income tax expense of $1.3 million and $579,000 for the quarter ended December 31, 2021 and 2020, respectively. For the quarter ended December 31, 2021, we had approximately $189,000 in tax exempt income, compared to approximately $168,000 in tax exempt income for the quarter ended December 31, 2020. Our effective income tax rates were 23.6% and 14.2% for the quarter ended December 31, 2021 and 2020, respectively.

 

We recorded income tax expense of $3.7 million and $3.3 million for the year ended December 31, 2021 and 2020, respectively. For the year ended December 31, 2021, we had approximately $711,000 in tax exempt income, compared to approximately $671,000 in tax exempt income for the year ended December 31, 2020. Our effective income tax rates were 23.6% and 21.0% for the year ended December 31, 2021 and 2020, respectively.

 

 

 

 

Asset Quality

 

During the year ended December 31, 2021, non-performing assets decreased by $3.6 million, or 64.2%, to $2.0 million from $5.6 million as of December 31, 2020. The decrease in non-performing assets was primarily due to the previously disclosed charge-off of $3.6 million on a non-accrual, non-residential bridge loan during the third quarter of 2021. We had no non-performing loans at December 31, 2021 compared to one non-performing loan at December 31, 2020. Our ratio of non-performing assets to total assets remained low at 0.16% as of December 31, 2021 compared to 0.58% as of December 31, 2020.

 

Based on a review of the loans that were in the loan portfolio at December 31, 2021, management believes that the allowance is maintained at a level that represents its best estimate of inherent losses in the loan portfolio that were both probable and reasonably estimable.

 

The Company’s allowance for loan losses totaled $5.2 million, or 0.54% of total loans as of December 31, 2021, compared to $5.1 million, or 0.62% of total loans as of December 31, 2020.

 

Capital

 

The Company’s total stockholder’s equity to assets was 20.52% as of December 31, 2021. At December 31, 2021, the Company had the ability to borrow $29.4 million from the Federal Home Loan Bank of New York.

 

The Bank’s capital position remains strong relative to current regulatory requirements and the Bank is considered a well-capitalized institution under the Prompt Corrective Action framework. As of December 31, 2021, the Bank had a tier 1 leverage capital ratio of 16.79% and a total risk-based capital ratio of 14.87%.

 

Annual Meeting of Stockholders

 

On February 4, 2022, the Company also announced that its annual meeting of stockholders will be held on May 26, 2022.

 

About NorthEast Community Bancorp

 

NorthEast Community Bancorp, headquartered at 325 Hamilton Avenue, White Plains, New York 10601, is the holding company for NorthEast Community Bank, which conducts business through its ten branch offices located in Bronx, New York, Orange, and Rockland Counties in New York and Essex, Middlesex, and Norfolk Counties in Massachusetts and three loan production offices located in New City, New York, White Plains, New York, and Danvers, Massachusetts. For more information about NorthEast Community Bancorp and NorthEast Community Bank, please visit www.necb.com.

 

 

 

 

Forward Looking Statement

 

This press release contains certain forward-looking statements. Forward-looking statements include statements regarding anticipated future events and can be identified by the fact that they do not relate strictly to historical or current facts. They often include words such as “believe,” “expect,” “anticipate,” “estimate,” and “intend” or future or conditional verbs such as “will,” “would,” “should,” “could,” or “may.” Forward-looking statements, by their nature, are subject to risks and uncertainties. Certain factors that could cause actual results to differ materially from expected results include, but are not limited to, changes in market interest rates, regional and national economic conditions, the effect of the COVID-19 pandemic (including its impact on NorthEast Community Bank’s business operations and credit quality, on our customers and their ability to repay their loan obligations and on general economic and financial market conditions), legislative and regulatory changes, monetary and fiscal policies of the United States government, including policies of the United States Treasury and the Federal Reserve Board, the quality and composition of the loan or investment portfolios, demand for loan products, deposit flows, competition, demand for financial services in NorthEast Community Bank’s market area, changes in the real estate market values in NorthEast Community Bank’s market area and changes in relevant accounting principles and guidelines. Additionally, other risks and uncertainties may be described in our annual and quarterly reports filed with the U.S. Securities and Exchange Commission (the “SEC”), which are available through the SEC’s website located at www.sec.gov. These risks and uncertainties should be considered in evaluating any forward-looking statements and undue reliance should not be placed on such statements. Except as required by applicable law or regulation, the Company does not undertake, and specifically disclaims any obligation, to release publicly the result of any revisions that may be made to any forward-looking statements to reflect events or circumstances after the date of the statements or to reflect the occurrence of anticipated or unanticipated events.

 

CONTACT: Kenneth A. Martinek
  Chairman and Chief Executive Officer
   
PHONE: (914) 684-2500

 

 

 

 

NORTHEAST COMMUNITY BANCORP, INC.

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

(Unaudited)

 

   December 31,   December 31, 
   2021   2020 
   (In thousands, except share 
   and per share amounts) 
ASSETS          
Cash and amounts due from depository institutions  $8,344   $7,613 
Interest-bearing deposits   143,925    61,578 
       Total Cash and cash equivalents   152,269    69,191 
Certificates of deposit   100    100 
Equity securities   19,943    10,332 
Securities available-for-sale, at fair value   1    2 
Securities held-to-maturity (fair value of  $17,383 and $7,519, respectively)   17,880    7,382 
Loans receivable   972,851    824,708 
     Deferred loan costs, net   484    113 
     Allowance for loan losses   (5,242)   (5,088)
              Net loans   968,093    819,733 
Premises and equipment, net   23,907    18,675 
Investments in restricted stock, at cost   1,569    1,595 
Bank owned life insurance   25,291    24,691 
Accrued interest receivable   4,283    3,838 
Goodwill   651    651 
Real estate owned   1,996    1,996 
Property held for investment   1,481    1,518 
Right of Use Assets – Operating   2,564    3,094 
Right of Use Assets – Financing   359    363 
Other assets   4,683    5,060 
Total assets  $1,225,070   $968,221 
LIABILITIES AND STOCKHOLDERS’ EQUITY          
Liabilities:          
Deposits:          
Non-interest bearing  $330,853   $221,371 
Interest bearing   596,311    550,335 
Total deposits   927,164    771,706 
Advance payments by borrowers for taxes and insurance   1,884    2,258 
Federal Home Loan Bank advances   28,000    28,000 
Lease Liability – Operating   2,604    3,115 
Lease Liability – Financing   496    460 
Accounts payable and accrued expenses   13,540    8,857 
Total liabilities   973,688    814,396 
           
Stockholders’ equity:          
Preferred stock, $0.01 and $0.01 par value; 25,000,000 shares and 1,340,000 shares authorized; none issued or outstanding, respectively   —    — 
Common stock, $0.01 and $0.01 par value; 75,000,000 shares and 25,460,000 shares authorized; 16,377,936 shares and 17,721,500 shares issued; and 16,377,936 shares and 16,340,779 shares outstanding, respectively¹  $164   $132 
Additional paid-in capital   145,335    56,901 
Unearned Employee Stock Ownership Plan (“ESOP”) shares   (8,301)   (1,296)
Treasury stock – at cost, 0 and 1,380,721 shares, respectively¹   -    (7,032)
Retained earnings   114,323    105,305 
Accumulated other comprehensive loss   (139)   (185)
Total stockholders’ equity   251,382    153,825 
Total liabilities and stockholders’ equity  $1,225,070   $968,221 

 

¹Shares amounts related to periods prior to the July 12, 2021 closing of the conversion offering have been restated to give retroactive recognition to the 1.34 exchange ratio applied in the conversion offering.

 

 

 

 

NORTHEAST COMMUNITY BANCORP, INC.

CONSOLIDATED STATEMENTS OF INCOME

(Unaudited)

 

   Quarter Ended December 31   Year Ended December 31 
   2021   2020   2021   2020 
   (In thousands, except per share amounts) 
INTEREST INCOME:                    
Loans  $12,661   $11,880   $47,898   $48,202 
Interest-earning deposits   41    13    115    360 
Securities   114    90    391    415 
Total Interest Income   12,816    11,983    48,404    48,977 
INTEREST EXPENSE:                    
Deposits   969    1,562    4,359    9,254 
Borrowings   178    178    706    687 
Financing lease   9    9    36    36 
Total Interest Expense   1,156    1,749    5,101    9,977 
Net Interest Income   11,660    10,234    43,303    39,000 
Provision for loan loss   —    53    3,610    814 
Net Interest Income after Provision for Loan Losses   11,660    10,181    39,693    38,186 
NON-INTEREST INCOME:                    
Other loan fees and service charges   472    324    1,568    1,045 
Gain (loss) on disposition of equipment   —    (59)   7    (61)
Earnings on bank owned life insurance   153    153    600    609 
Investment advisory fees   133    106    514    425 
Unrealized gain (loss) on equity securities   (174)   (10)   (389)   288 
Other   17    99    54    207 
Total Non-Interest Income   601    613    2,354    2,513 
NON-INTEREST EXPENSES:                    
Salaries and employee benefits   3,773    3,779    14,996    13,809 
Occupancy expense   581    495    2,115    1,932 
Equipment   275    313    993    917 
Outside data processing   434    472    1,652    1,771 
Advertising   55    24    139    168 
Impairment loss on goodwill   -    48    -    98 
Real estate owned expense   8    138    93    313 
Other   1,630    1,433    6,485    6,080 
Total Non-Interest Expenses   6,756    6,702    26,473    25,088 
INCOME BEFORE PROVISION FOR INCOME TAXES   5,505    4,092    15,574    15,611 
PROVISION FOR INCOME TAXES   1,297    579    3,669    3,282 
NET INCOME  $4,208   $3,513   $11,905   $12,329 

 

 

 

 

NORTHEAST COMMUNITY BANCORP, INC.

SELECTED CONSOLIDATED FINANCIAL DATA

(Unaudited)

 

   Quarter Ended December 31,   Year Ended December 31, 
   2021   2020   2021   2020 
   (In thousands, except per share amounts)   (In thousands, except per share amounts) 
Per share data:                    
Earnings per share - basic and diluted¹  $0.27   $0.22   $0.75   $0.76 
Weighted average shares outstanding - basic and diluted¹   15,501    16,163    15,854    16,150 
Performance ratios/data:                    
Return on average total assets   1.46%   1.49%   1.13%   1.31%
Return on average shareholders' equity   6.71%   9.20%   6.03%   8.31%
Net interest income  $11,660   $10,234   $43,303   $39,000 
Net interest margin   4.32%   4.64%   4.40%   4.45%
Efficiency ratio   55.10%   62.25%   57.98%   60.43%
Net charge-off ratio   0.00%   0.17%   0.40%   0.04%

 

Loan portfolio composition:  December 31, 2021   December 31, 2020 
One-to-four family  $7,189   $6,170 
Multi-family   84,426    90,506 
Mixed-use   31,827    30,508 
   Total residential real estate   123,442    127,184 
Non-residential real estate   46,933    60,665 
Construction   683,830    545,788 
Commercial and industrial   118,378    90,577 
Consumer   268    494 
    Gross loans   972,851    824,708 
Deferred loan (fees) costs, net   484    113 
Total loans  $973,335   $824,821 
Asset quality data:          
Loans past due over 90 days and still accruing  $-   $- 
Non-accrual loans   -    3,572 
OREO property   1,996    1,996 
Total non-performing assets  $1,996   $5,568 
           
Allowance for loan losses to total loans   0.54%   0.62%
Allowance for loan losses to non-performing loans   NA    142.44%
Non-performing loans to total loans   0.00%   0.43%
Non-performing assets to total assets   0.16%   0.58%
           
Bank's Regulatory Capital ratios:          
Common equity tier 1 capital to risk-weighted assets   15.28%   13.72%
Total capital to risk-weighted assets   14.87%   13.23%
Tier 1 capital to risk-weighted assets   14.87%   13.23%
Tier 1 leverage ratio   16.79%   14.79%

 

¹Shares amounts related to periods prior to the July 12, 2021 closing of the conversion offering have been restated to give retroactive recognition to the 1.34 exchange ratio applied in the conversion offering.

 

 

 

 

NORTHEAST COMMUNITY BANCORP, INC.

NET INTEREST MARGIN ANALYSIS

(Unaudited)

 

   Quarter Ended December 31, 2021   Quarter Ended December 31, 2020 
   Average   Interest   Average   Average   Interest   Average 
   Balance   and dividend   Yield   Balance   and dividend   Yield 
   (In thousands, except yield/cost information)   (In thousands, except yield/cost information) 
Loan receivable Gross  $933,783   $12,661    5.42%  $811,487   $11,880    5.86%
Securities (1)   30,435    114    1.50%   19,507    90    1.85%
Other interest-earning assets   114,356    41    0.14%   50,694    13    0.10%
Total interest-earning assets   1,078,574    12,816    4.75%   881,688    11,983    5.44%
Allowance for loan losses   (5,242)             (5,182)          
Non-interest-earning assets   77,027              68,584           
Total assets  $1,150,359             $945,090           
                               
Interest-bearing demand deposit  $119,598   $193    0.65%  $97,501   $153    0.63%
Savings and club accounts   133,938    153    0.46%   100,538    84    0.33%
Certificates of deposit   301,062    623    0.83%   348,224    1,326    1.52%
Total interest-bearing deposits   554,598    969    0.70%   546,263    1,563    1.14%
Borrowed money   28,000    187    2.67%   28,000    186    2.66%
Total interest-bearing liabilities   582,598    1,156    0.79%   574,263    1,749    1.22%
Non-interest-bearing demand deposit   299,911              202,587           
Other non-interest-bearing liabilities   17,036              15,545           
Total liabilities   899,545              792,395           
Equity   250,814              152,695           
Total liabilities and equity  $1,150,359             $945,090           
                               
Net interest income / interest spread       $11,660    3.96%       $10,234    4.22%
Net interest rate margin             4.32%             4.64%
Net interest earning assets  $495,976             $307,425           
Average interest-earning assets to interest-bearing liabilities   185.13%             153.53%          

 

 

 

(1)Includes Federal Home Loan Bank of New York stock.

 

 

 

 

   Year Ended December 31, 2021   Year Ended December 31, 2020 
   Average   Interest   Average   Average   Interest   Average 
   Balance   and dividend   Yield   Balance   and dividend   Yield 
   (In thousands, except yield/cost information)   (In thousands, except yield/cost information) 
Loan receivable Gross  $866,518   $47,898    5.53%  $797,735   $48,202    6.04%
Securities (1)   24,602    391    1.59%   20,264    415    2.05%
Other interest-earning assets   91,999    115    0.13%   58,438    360    0.62%
Total interest-earning assets   983,119    48,404    4.92%   876,437    48,977    5.59%
Allowance for loan losses   (5,154)             (4,965)          
Non-interest-earning assets   72,855              67,494           
Total assets  $1,050,820             $938,966           
                               
Interest-bearing demand deposit  $114,940   $696    0.61%  $104,390   $768    0.74%
Savings and club accounts   108,877    328    0.30%   101,738    626    0.62%
Certificates of deposit   316,690    3,335    1.05%   372,535    7,860    2.11%
Total interest-bearing deposits   540,507    4,359    0.81%   578,663    9,254    1.60%
Borrowed money   28,000    742    2.65%   26,811    723    2.70%
Total interest-bearing liabilities   568,507    5,101    0.90%   605,474    9,977    1.65%
Non-interest-bearing demand deposit   260,529              172,508           
Other non-interest-bearing liabilities   24,310              12,595           
Total liabilities   853,346              790,577           
Equity   197,474              148,389           
Total liabilities and equity  $1,050,820             $938,966           
                               
Net interest income / interest spread       $43,303    4.03%       $39,000    3.94%
Net interest rate margin             4.40%             4.45%
Net interest earning assets  $414,612             $270,963           
Average interest-earning assets to interest-bearing liabilities   172.93%             144.75%          

 

 

 

(1)Includes Federal Home Loan Bank of New York stock.

 

 

 

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