Damariscotta, ME · Cert 20931
FDIC · 6 branches
Q3 2020
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 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.52% | 0.27% | 0.18% | 0.13% | -48 bps | |
| Return on Equity | 6.43% | 5.47% | 2.82% | 1.96% | 1.44% | -499 bps | |
| Net Interest Margin | 3.31% | 3.23% | 3.28% | 3.02% | 2.78% | -52 bps | |
| Efficiency Ratio | 82.22% | 85.20% | 89.47% | 92.79% | 94.03% | +1,181 bps | |
| Non-Interest Burden | 2.63% | 2.68% | 2.89% | 2.77% | 2.59% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.17% | 1.60% | 0.15% | 9.61% | 8.30% | +847 bps | |
| Loan Growth (YoY) | -0.79% | 0.96% | 2.39% | 2.42% | -0.65% | +13 bps | |
| Deposit Growth (YoY) | -0.49% | 1.55% | 0.05% | 10.81% | 9.39% | +988 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.52% | 2.30% | 2.36% | 3.84% | 2.83% | +31 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.92% | 0.89% | 0.90% | 0.91% | 0.94% | +2 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.2x | 0.3x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.85% | 9.61% | 9.44% | 9.25% | 8.94% | -91 bps | |
| Total Risk-Based Capital | 17.30% | 17.35% | 17.25% | 17.79% | 18.32% | +102 bps | |
| Equity / Assets | 9.72% | 9.39% | 9.50% | 9.07% | 8.90% | -82 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.42% | 70.15% | 72.92% | 68.47% | 65.76% | -665 bps | |
| Liquid Assets / Assets | 30.14% | 32.03% | 30.30% | 34.28% | 36.77% | +663 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |