Willimantic, CT · Cert 18214
FDIC · 23 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 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.
Willimantic, CT · Cert 18214
FDIC · 23 branches
Q1 2019
Market Position · Worcester, MA-CT · 2018 SOD (annual) · 2.1% share · #16 of 37 inst. · $0.4B of $18.4B
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.60% | 0.36% | 0.54% | 0.64% | 0.66% | 0.65% | 0.79% | +24 bps | |
| Return on Equity | 5.91% | 5.89% | 3.51% | 5.31% | 6.29% | 6.48% | 6.38% | 7.68% | +237 bps | |
| Net Interest Margin | 2.71% | 2.74% | 2.75% | 2.81% | 2.80% | 2.84% | 2.81% | 2.83% | +2 bps | |
| Efficiency Ratio | 72.54% | 71.54% | 71.43% | 72.95% | 71.30% | 69.92% | 69.68% | 65.59% | -737 bps | |
| Non-Interest Burden | 1.78% | 1.78% | 1.79% | 1.91% | 1.84% | 1.80% | 1.78% | 1.65% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.99% | 2.82% | 1.75% | 0.28% | -0.07% | 1.44% | 4.46% | 5.95% | +567 bps | |
| Loan Growth (YoY) | 6.15% | 1.87% | 1.36% | 1.76% | 2.33% | 4.06% | 6.30% | 4.36% | +260 bps | |
| Deposit Growth (YoY) | 7.54% | 6.81% | 6.08% | 3.43% | 1.93% | 2.85% | 6.50% | 7.59% | +416 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.29% | 0.51% | 0.62% | 0.62% | 0.65% | 0.74% | 0.61% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.01% | 0.02% | 0.02% | 0.01% | 0.06% | 0.00% | -2 bps | |
| Allowance / Loans | 0.98% | 0.98% | 0.99% | 1.02% | 1.04% | 1.10% | 1.10% | 1.14% | +12 bps | |
| Allowance Coverage of NPLs | 2.6x | 3.4x | 1.9x | 1.6x | 1.7x | 1.7x | 1.5x | 1.9x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.32% | 9.52% | 9.40% | 9.52% | 9.43% | 9.61% | 9.58% | 9.68% | +16 bps | |
| Total Risk-Based Capital | 15.50% | 15.65% | 15.02% | 14.72% | 14.40% | 14.27% | 14.13% | 14.14% | -58 bps | |
| Equity / Assets | 10.13% | 10.37% | 10.22% | 10.19% | 10.19% | 10.27% | 10.23% | 10.25% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.78% | 101.85% | 102.89% | 104.03% | 103.18% | 103.05% | 102.70% | 100.90% | -313 bps | |
| Liquid Assets / Assets | 4.96% | 4.79% | 4.17% | 4.26% | 4.24% | 3.58% | 4.18% | 6.22% | +196 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |