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Collinsville Savings Society

Collinsville, CT · Cert 18223

FDIC · 3 branches

Q4 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Collinsville Savings Society

Collinsville, CT · Cert 18223

FDIC · 3 branches

Q4 2020

$192.1MAssets
$147.3MLoans
$175.1MDeposits
$15.7MEquity
Loan mix
81%RE $98.0M16%C&I $18.8M3%Consumer $4.0MQ4 2019Q4 2020
Deposit mix
73%Interest-bearing $128.7M27%Noninterest $46.5MQ4 2019Q4 2020

NIM

3.94%Q4 ’184.01%Q4 ’193.52%Q4 ’20-4%-5%

Non-interest income vs. expense

2.90%Q4 ’183.00%Q4 ’193.42%Q4 ’20+2%+10%

Market Position · Hartford-East Hartford-Middletown, CT · 2020 SOD (annual) · 0.3% share · #16 of 27 inst. · $0.2B of $55.1B

Executive Summary

  • Earnings: ROA of -0.04%, down 44 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 1.11% of loans (+13 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.19%, down 82 bps from a year ago.
  • Funding: loans stand at 84.13% of deposits as of Q4 2020.

Financial Results

Return on Assets (YTD, annualized)

-0.04%-44 bps YoY

Net Interest Margin (YTD, annualized)

2.93%-15 bps YoY

Efficiency Ratio (YTD, annualized)

91.83%+581 bps YoY

Tier 1 Leverage Ratio

8.19%-82 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020YoY ΔTrend
Earnings
Return on Assets0.40%-0.02%0.07%0.09%-0.04%-44 bps
Return on Equity4.30%-0.18%0.86%1.05%-0.47%-477 bps
Net Interest Margin3.08%3.00%2.71%2.80%2.93%-15 bps
Efficiency Ratio86.03%98.11%94.86%94.22%91.83%+581 bps
Non-Interest Burden2.67%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 / Loans0.98%0.90%1.23%1.14%1.11%+13 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%-1 bps
Allowance / Loans0.91%0.90%0.86%0.90%0.99%+8 bps
Allowance Coverage of NPLs0.9x1.0x0.7x0.8x0.9x0.0x
Capital
Tier 1 Leverage Ratio9.00%8.77%7.86%8.01%8.19%-82 bps
Total Risk-Based Capital12.61%12.39%11.52%8.01%8.19%-442 bps
Equity / Assets9.32%8.64%8.14%8.59%8.19%-112 bps
Liquidity & Funding
Loans / Deposits103.35%92.81%91.79%92.36%84.13%-1,922 bps
Liquid Assets / Assets2.33%7.91%6.57%3.55%10.18%+785 bps
CRE / Total Capitaln/an/an/an/an/an/an/a