Waterville, ME · Cert 29661
FDIC · 2 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.
Waterville, ME · Cert 29661
FDIC · 2 branches
Q4 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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.36% | 0.40% | 0.39% | 0.12% | 0.25% | 0.37% | 0.53% | +14 bps | |
| Return on Equity | 2.56% | 4.33% | 4.75% | 4.63% | 1.36% | 2.72% | 4.07% | 5.65% | +103 bps | |
| Net Interest Margin | 3.35% | 3.35% | 3.34% | 3.34% | 3.19% | 3.14% | 3.27% | 3.40% | +6 bps | |
| Efficiency Ratio | 91.05% | 86.30% | 85.23% | 85.71% | 93.07% | 89.92% | 86.99% | 83.93% | -178 bps | |
| Non-Interest Burden | 3.02% | 2.82% | 2.77% | 2.77% | 2.92% | 2.75% | 2.72% | 2.64% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.15% | 2.30% | 2.63% | -1.22% | -2.35% | -2.56% | -5.93% | -9.78% | -856 bps | |
| Loan Growth (YoY) | 2.99% | 3.23% | 2.14% | -0.91% | -4.45% | -6.47% | -8.25% | -12.66% | -1,175 bps | |
| Deposit Growth (YoY) | 0.47% | 2.30% | 0.49% | -2.79% | 2.36% | 2.84% | 3.54% | -0.59% | +221 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.13% | 0.39% | 0.91% | 0.48% | 0.59% | 0.31% | 0.54% | -37 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.03% | 0.03% | 0.02% | 0.29% | 0.12% | 0.09% | 0.08% | +6 bps | |
| Allowance / Loans | 0.57% | 0.58% | 0.58% | 0.62% | 0.60% | 0.64% | 0.64% | 0.69% | +7 bps | |
| Allowance Coverage of NPLs | 2.1x | 4.4x | 1.5x | 0.7x | 1.2x | 1.1x | 2.1x | 1.3x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.51% | 8.61% | 8.71% | 8.88% | 8.96% | 8.97% | 9.42% | 9.97% | +109 bps | |
| Total Risk-Based Capital | 14.74% | 15.06% | 15.10% | 15.36% | 15.97% | 16.39% | 17.11% | 18.76% | +340 bps | |
| Equity / Assets | 8.43% | 8.49% | 8.57% | 8.88% | 9.07% | 9.13% | 9.55% | 10.47% | +159 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 124.97% | 120.31% | 126.22% | 123.16% | 116.67% | 109.41% | 111.85% | 108.20% | -1,496 bps | |
| Liquid Assets / Assets | 3.42% | 4.46% | 4.31% | 4.39% | 5.65% | 7.75% | 6.27% | 7.15% | +276 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |