Orange, CT · Cert 32836
FDIC · 1 branch
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 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.
Orange, CT · Cert 32836
FDIC · 1 branch
Q1 2018
Market Position · New Haven-Milford, CT · 2017 SOD (annual) · 0.2% share · #21 of 25 inst. · $0.1B of $29.5B
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69%1 | 0.69%1 | 0.61%1 | 0.73% | 0.24% | 0.46% | 0.62% | -0.21% | -93 bps | |
| Return on Equity | 5.66% | 5.68% | 5.13% | 6.81% | 2.16% | 3.89% | 5.07% | -1.49% | -831 bps | |
| Net Interest Margin | 2.21% | 2.14% | 2.16% | 2.63% | 2.70% | 2.80% | 2.88% | 2.76% | +13 bps | |
| Efficiency Ratio | 86.00% | 89.20% | 88.30% | 76.10% | 70.38% | 66.47% | 63.20% | 64.32% | -1,178 bps | |
| Non-Interest Burden | 1.89% | 1.90% | 1.90% | 1.99% | 1.89% | 1.84% | 1.81% | 1.76% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.04% | 4.28% | 1.61% | -0.73% | -6.99% | -13.73% | -12.28% | -14.35% | -1,362 bps | |
| Loan Growth (YoY) | -14.98% | -12.67% | -5.61% | -1.17% | -0.44% | -7.74% | -11.73% | -16.76% | -1,560 bps | |
| Deposit Growth (YoY) | -0.77% | 3.85% | 3.32% | -12.76% | -18.37% | -23.55% | -26.07% | -16.68% | -393 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 2.40% | 3.49% | 0.36% | 1.39% | 3.23% | +83 bps | |
| Net Charge-Offs / Loans | -0.14% | -0.08% | 0.14% | -0.01% | 0.86% | 3.29% | 2.42% | -0.21% | -19 bps | |
| Allowance / Loans | 2.06% | 2.31% | 1.98% | 2.04% | 2.93% | 1.47% | 1.46% | 1.65% | -39 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 0.8x | 0.8x | 4.1x | 1.1x | 0.5x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.83% | 11.96% | 11.97% | 12.73% | 12.91% | 13.73% | 14.68% | 15.01% | +228 bps | |
| Total Risk-Based Capital | 27.86% | 26.85% | 24.31% | 24.96% | 25.43% | 29.26% | 23.38% | 29.77% | +481 bps | |
| Equity / Assets | 12.42% | 12.24% | 10.41% | 10.97% | 12.33% | 13.49% | 14.23% | 13.27% | +230 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 40.90% | 39.11% | 41.24% | 48.29% | 49.88% | 47.20% | 49.24% | 48.24% | -5 bps | |
| Liquid Assets / Assets | 16.27% | 14.49% | 4.66% | 4.49% | 3.80% | 1.20% | 1.04% | 1.17% | -331 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |