Peer Analysis

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Data for trailing four quarters

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Performance Ratios (%)		PBNY	Peer Median	Peer Average
	ROAA	0.62	0.79	0.71
	ROAE	4.63	8.28	7.09
	Net Interest Margin	3.40	3.59	3.62
	Efficiency Ratio	66.14	60.08	62.26
	Loans / Deposits	78.74	82.68	84.42

Asset Quality Ratios (%)
	NPAs / Assets	1.47	1.29	1.40
	NCOs / Avg Loans	0.57	0.45	0.53
	Reserves / Loans	1.25	1.32	1.34
	Reserves / NPAs	50.66	60.05	77.64

Capital Ratios (%)
	Tier 1 Capital	NA	12.32	13.54
	Tangible Equity / Tangible Assets	9.18	7.87	8.22
	Total Equity / Total Assets	13.33	9.92	9.90

Market Ratios
	Price / Earnings (x)	17.30	14.21	15.46
	Price / Book (%)	83.74	121.02	124.60
	Dividend Yield (%)	2.57	3.31	3.02

Provident New York Bancorp's peer group consists of the following: Community Bank System, Inc. (CBU), Dime Community Bancshares, Inc. (DCOM), Flushing Financial Corporation (FFIC), Hudson Valley Holding Corp. (HVB), Lakeland Bancorp, Inc. (LBAI), NBT Bancorp Inc. (NBTB), Sandy Spring Bancorp, Inc. (SASR), Sterling Bancorp (STL), Sun Bancorp, Inc. (SNBC), Tompkins Financial Corporation (TMP), TrustCo Bank Corp NY (TRST)

Provident New York Bancorp's financial data is as of 3/31/2013.

Peer financial data is as of 3/31/2013


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