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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.29% | 0.31% | 0.26% | -0.02% | 0.16% | 0.12% | -0.42% | -68 bps | |
| Return on Equity | 8.00% | 3.17% | 3.32% | 2.79% | -0.18% | 1.89% | 1.43% | -5.02% | -781 bps | |
| Net Interest Margin | 3.18% | 3.08% | 3.09% | 3.07% | 3.00% | 2.73% | 2.90% | 3.30% | +23 bps | |
| Efficiency Ratio | 83.12% | 87.07% | 85.85% | 88.10% | 98.11% | 91.76% | 93.03% | 86.30% | -179 bps | |
| Non-Interest Burden | 2.65% | 2.71% | 2.68% | 2.73% | 2.93% | 2.47% | 2.66% | 3.88% | +115 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.92% | 5.12% | 1.38% | 3.55% | 10.95% | 13.22% | 12.02% | 13.23% | +968 bps | |
| Loan Growth (YoY) | 3.59% | 2.25% | 0.99% | 2.42% | 3.02% | 10.66% | 10.76% | 3.50% | +108 bps | |
| Deposit Growth (YoY) | 0.33% | 7.81% | 3.98% | 6.57% | 22.53% | 23.75% | 27.30% | 27.15% | +2,058 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.65% | 0.64% | 0.73% | 0.98% | 0.90% | 1.23% | 1.14% | 1.11% | +13 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.89% | 0.90% | 0.92% | 0.91% | 0.90% | 0.86% | 0.90% | 0.99% | +8 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.4x | 1.3x | 0.9x | 1.0x | 0.7x | 0.8x | 0.9x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.07% | 8.90% | 8.99% | 9.00% | 8.77% | 7.86% | 8.01% | 8.19% | -82 bps | |
| Total Risk-Based Capital | 12.89% | 12.72% | 13.25% | 12.61% | 12.39% | 11.52% | 8.01% | 8.19% | -442 bps | |
| Equity / Assets | 9.32% | 9.04% | 9.50% | 9.32% | 8.64% | 8.14% | 8.59% | 8.19% | -112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.39% | 102.65% | 106.15% | 103.35% | 92.81% | 91.79% | 92.36% | 84.13% | -1,922 bps | |
| Liquid Assets / Assets | 0.54% | 4.44% | 1.52% | 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 | n/a | n/a | n/a |