Collinsville, CT · Cert 18223
FDIC · 3 branches
Q4 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2020, the quarter ended December 31, 2020, 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.
Collinsville, CT · Cert 18223
FDIC · 3 branches
Q4 2020
Market Position · Hartford-East Hartford-Middletown, CT · 2020 SOD (annual) · 0.3% share · #16 of 27 inst. · $0.2B of $55.1B
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | -0.02% | 0.07% | 0.09% | -0.04% | -44 bps | |
| Return on Equity | 4.30% | -0.18% | 0.86% | 1.05% | -0.47% | -477 bps | |
| Net Interest Margin | 3.08% | 3.00% | 2.71% | 2.80% | 2.93% | -15 bps | |
| Efficiency Ratio | 86.03% | 98.11% | 94.86% | 94.22% | 91.83% | +581 bps | |
| Non-Interest Burden | 2.67% | 2.93% | 2.54% | 2.61% | 2.93% | +27 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.55% | 10.95% | 13.22% | 12.02% | 13.23% | +968 bps | |
| Loan Growth (YoY) | 2.42% | 3.02% | 10.66% | 10.76% | 3.50% | +108 bps | |
| Deposit Growth (YoY) | 6.57% | 22.53% | 23.75% | 27.30% | 27.15% | +2,058 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.98% | 0.90% | 1.23% | 1.14% | 1.11% | +13 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.91% | 0.90% | 0.86% | 0.90% | 0.99% | +8 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.0x | 0.7x | 0.8x | 0.9x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.00% | 8.77% | 7.86% | 8.01% | 8.19% | -82 bps | |
| Total Risk-Based Capital | 12.61% | 12.39% | 11.52% | 8.01% | 8.19% | -442 bps | |
| Equity / Assets | 9.32% | 8.64% | 8.14% | 8.59% | 8.19% | -112 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 103.35% | 92.81% | 91.79% | 92.36% | 84.13% | -1,922 bps | |
| Liquid Assets / Assets | 2.33% | 7.91% | 6.57% | 3.55% | 10.18% | +785 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |