Suffield, CT · Cert 2526
FDIC · 4 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Suffield, CT · Cert 2526
FDIC · 4 branches
Q3 2018
Market Position · Hartford-West Hartford-East Hartford, CT · 2018 SOD (annual) · 0.5% share · #16 of 29 inst. · $0.2B of $46.1B
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.82% | 0.76% | 0.77% | 0.69% | 0.74% | 0.57% | 0.63% | -14 bps | |
| Return on Equity | 8.84% | 7.84% | 7.31% | 7.38% | 6.72% | 7.22% | 5.67% | 6.20% | -118 bps | |
| Net Interest Margin | 3.23% | 3.20% | 3.21% | 3.24% | 3.29% | 3.43% | 3.43% | 3.49% | +25 bps | |
| Efficiency Ratio | 61.58% | 63.46% | 67.02% | 66.35% | 65.94% | 71.33% | 74.18% | 73.60% | +724 bps | |
| Non-Interest Burden | 1.74% | 1.89% | 2.00% | 2.00% | 2.02% | 2.35% | 2.46% | 2.48% | +48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.51% | 8.19% | 8.38% | 4.37% | 7.29% | 2.99% | 3.68% | 4.20% | -16 bps | |
| Loan Growth (YoY) | 6.48% | 7.84% | 10.40% | 9.95% | 11.61% | 11.18% | 10.20% | 11.44% | +149 bps | |
| Deposit Growth (YoY) | 1.06% | 9.08% | 8.51% | 2.62% | 5.12% | -2.59% | -1.71% | -5.24% | -786 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.37% | 0.34% | 0.66% | 0.54% | 0.58% | 2.18% | 2.03% | +136 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.02% | 0.01% | -0.01% | 0.00% | 0.06% | +5 bps | |
| Allowance / Loans | 0.85% | 0.84% | 0.83% | 0.86% | 0.85% | 0.88% | 0.96% | 0.96% | +10 bps | |
| Allowance Coverage of NPLs | n/a | 2.3x | 2.4x | 1.3x | 1.6x | 1.5x | 0.4x | 0.5x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.79% | 10.48% | 10.32% | 10.36% | 10.43% | 10.34% | 10.22% | 10.31% | -4 bps | |
| Total Risk-Based Capital | 19.45% | 18.96% | 18.78% | 19.48% | 18.37% | 18.21% | 17.32% | 17.57% | -191 bps | |
| Equity / Assets | 10.63% | 10.27% | 10.18% | 10.42% | 10.17% | 10.19% | 9.96% | 10.14% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.96% | 87.16% | 89.73% | 91.50% | 95.51% | 99.49% | 100.60% | 107.60% | +1,610 bps | |
| Liquid Assets / Assets | 5.67% | 5.06% | 4.72% | 4.04% | 3.45% | 2.68% | 2.74% | 2.29% | -175 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |