Howland, ME · Charter 14211
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Howland, ME · Charter 14211
NCUA
Q1 2016
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.06% | -0.24% | -0.69% | -0.35% | -0.21% | -0.30% | -0.06% | +63 bps | |
| Return on Equity | 1.40% | 0.73% | -3.12% | -9.64% | -4.71% | -2.80% | -4.33% | -0.82% | +882 bps | |
| Net Interest Margin | 3.03% | 3.14% | 3.13% | 2.99% | 3.12% | 3.21% | 3.20% | 3.23% | +24 bps | |
| Efficiency Ratio | 97.58% | 98.16% | 101.13% | 118.13% | 108.02% | 104.48% | 103.01% | 99.12% | -1,901 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.35% | -0.96% | -0.05% | 1.18% | -1.46% | 1.91% | 5.87% | 1.40% | +22 bps | |
| Loan Growth (YoY) | -4.96% | -4.66% | 8.69% | 16.95% | 27.51% | 36.81% | 23.45% | 12.36% | -459 bps | |
| Share Growth (YoY) | -1.53% | -1.08% | 0.20% | 1.78% | -1.06% | 1.37% | 6.73% | 1.54% | -24 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.93% | 2.12% | 1.17% | 1.87% | 1.10% | 0.98% | 0.85% | 0.40% | -146 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.57% | 0.58% | 0.69% | 0.68% | 0.60% | 0.53% | 0.66% | 0.69% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.72% | 7.94% | 7.72% | 7.16% | 7.37% | 7.36% | 6.99% | 6.91% | -24 bps | |
| Net Worth / Assets | 7.72% | 7.94% | 7.72% | 7.16% | 7.37% | 7.36% | 6.99% | 6.91% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.59% | 54.39% | 58.42% | 58.21% | 66.49% | 73.40% | 67.57% | 64.42% | +620 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 97.60% | 98.15% | +9,815 bps | |