Auburn, ME · Cert 17476
FDIC · 4 branches
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, 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.
Auburn, ME · Cert 17476
FDIC · 4 branches
Q4 2019
Market Position · Lewiston-Auburn, ME · 2019 SOD (annual) · 13.6% share · #4 of 9 inst. · $0.3B of $2.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.93% | 0.91% | 0.98% | 0.92% | 0.88% | 0.91% | 0.93% | -5 bps | |
| Return on Equity | 6.72% | 7.76% | 7.56% | 8.09% | 7.29% | 6.98% | 7.19% | 7.30% | -79 bps | |
| Net Interest Margin | 3.60% | 3.59% | 3.56% | 3.56% | 3.45% | 3.38% | 3.38% | 3.37% | -19 bps | |
| Efficiency Ratio | 75.70% | 72.49% | 72.08% | 69.90% | 75.61% | 74.07% | 71.74% | 70.59% | +70 bps | |
| Non-Interest Burden | 2.67% | 2.54% | 2.50% | 2.41% | 2.56% | 2.44% | 2.35% | 2.29% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.37% | 3.15% | 3.78% | 4.07% | 2.47% | 5.49% | 3.76% | 2.93% | -114 bps | |
| Loan Growth (YoY) | 4.52% | 2.84% | 3.77% | 2.98% | 1.40% | 4.95% | 2.31% | 2.53% | -46 bps | |
| Deposit Growth (YoY) | 4.89% | 5.16% | 5.56% | 6.96% | 6.37% | 4.82% | 8.26% | 7.32% | +35 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.20% | 1.01% | 0.72% | 0.68% | 0.62% | 0.63% | 0.64% | 0.51% | -17 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.05% | 0.04% | 0.01% | 0.01% | 0.00% | 0.01% | -3 bps | |
| Allowance / Loans | 0.93% | 0.87% | 0.84% | 0.80% | 0.81% | 0.79% | 0.83% | 0.83% | +3 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 1.2x | 1.2x | 1.3x | 1.3x | 1.3x | 1.6x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.54% | 12.73% | 12.80% | 13.03% | 13.35% | 13.32% | 13.39% | 13.65% | +62 bps | |
| Total Risk-Based Capital | 17.16% | 17.14% | 17.17% | 17.23% | 17.57% | 17.37% | 17.87% | 18.01% | +78 bps | |
| Equity / Assets | 11.94% | 12.14% | 12.24% | 12.43% | 12.75% | 12.61% | 12.98% | 13.17% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 120.61% | 115.83% | 116.79% | 116.90% | 114.98% | 115.98% | 110.37% | 111.68% | -522 bps | |
| Liquid Assets / Assets | 0.09% | 0.12% | 0.06% | 0.00% | 0.00% | 1.38% | 1.32% | 0.28% | +28 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |