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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.19% | 0.92% | 0.85% | 0.97% | 0.99% | -20 bps | |
| Return on Equity | 9.66% | 7.29% | 6.66% | 7.61% | 7.60% | -206 bps | |
| Net Interest Margin | 3.59% | 3.45% | 3.37% | 3.47% | 3.31% | -29 bps | |
| Efficiency Ratio | 63.48% | 75.61% | 72.56% | 67.33% | 67.08% | +359 bps | |
| Non-Interest Burden | 2.18% | 2.56% | 2.36% | 2.23% | 2.12% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.07% | 2.47% | 5.49% | 3.76% | 2.93% | -114 bps | |
| Loan Growth (YoY) | 2.98% | 1.40% | 4.95% | 2.31% | 2.53% | -46 bps | |
| Deposit Growth (YoY) | 6.96% | 6.37% | 4.82% | 8.26% | 7.32% | +35 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.68% | 0.62% | 0.63% | 0.64% | 0.51% | -17 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.01% | -0.02% | 0.03% | +2 bps | |
| Allowance / Loans | 0.80% | 0.81% | 0.79% | 0.83% | 0.83% | +3 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.3x | 1.3x | 1.3x | 1.6x | +0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.03% | 13.35% | 13.32% | 13.39% | 13.65% | +62 bps | |
| Total Risk-Based Capital | 17.23% | 17.57% | 17.37% | 17.87% | 18.01% | +78 bps | |
| Equity / Assets | 12.43% | 12.75% | 12.61% | 12.98% | 13.17% | +74 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 116.90% | 114.98% | 115.98% | 110.37% | 111.68% | -522 bps | |
| Liquid Assets / Assets | 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 |