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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.12% | 0.25% | 0.37% | 0.53% | +14 bps | |
| Return on Equity | 4.63% | 1.36% | 2.72% | 4.07% | 5.65% | +103 bps | |
| Net Interest Margin | 3.34% | 3.19% | 3.14% | 3.27% | 3.40% | +6 bps | |
| Efficiency Ratio | 85.71% | 93.07% | 89.92% | 86.99% | 83.93% | -178 bps | |
| Non-Interest Burden | 2.77% | 2.92% | 2.75% | 2.72% | 2.64% | -13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.22% | -2.35% | -2.56% | -5.93% | -9.78% | -856 bps | |
| Loan Growth (YoY) | -0.91% | -4.45% | -6.47% | -8.25% | -12.66% | -1,175 bps | |
| Deposit Growth (YoY) | -2.79% | 2.36% | 2.84% | 3.54% | -0.59% | +221 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.91% | 0.48% | 0.59% | 0.31% | 0.54% | -37 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.29% | 0.12% | 0.09% | 0.08% | +6 bps | |
| Allowance / Loans | 0.62% | 0.60% | 0.64% | 0.64% | 0.69% | +7 bps | |
| Allowance Coverage of NPLs | 0.7x | 1.2x | 1.1x | 2.1x | 1.3x | +0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.88% | 8.96% | 8.97% | 9.42% | 9.97% | +109 bps | |
| Total Risk-Based Capital | 15.36% | 15.97% | 16.39% | 17.11% | 18.76% | +340 bps | |
| Equity / Assets | 8.88% | 9.07% | 9.13% | 9.55% | 10.47% | +159 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 123.16% | 116.67% | 109.41% | 111.85% | 108.20% | -1,496 bps | |
| Liquid Assets / Assets | 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 |