PackageTrendsPeer
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Acadia Trust, National Association

Portland, ME · Cert 33597

FDIC

Q3 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Acadia Trust, National Association

Portland, ME · Cert 33597

FDIC

Q3 2016

$11.9MAssets
n/aLoans
n/aDeposits
$10.6MEquity

NIM

0.23%Q3 ’140.23%Q3 ’150.38%Q3 ’16+59%+58%

Non-interest income vs. expense

40.44%Q3 ’1436.17%Q3 ’1537.65%Q3 ’16-7%+49%

Executive Summary

  • Earnings: ROA of 4.12%, down 349 bps year over year; NIM at 0.58%.
  • Capital: tier 1 leverage ratio of 88.17%, down 568 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

4.12%-349 bps YoY

Net Interest Margin (YTD, annualized)

0.58%+22 bps YoY

Efficiency Ratio (YTD, annualized)

84.43%+1,029 bps YoY

Tier 1 Leverage Ratio

88.17%-568 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets7.61%7.50%4.42%4.47%4.12%-349 bps
Return on Equity8.10%7.94%4.59%4.71%4.42%-368 bps
Net Interest Margin0.37%0.37%0.52%0.68%0.58%+22 bps
Efficiency Ratio74.14%74.13%82.95%83.70%84.43%+1,029 bps
Non-Interest Burden-11.40%-10.97%-6.39%-6.59%-5.79%+561 bps
Growth
Asset Growth (YoY)6.20%7.13%5.39%7.54%10.33%+413 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio93.85%92.55%93.06%97.00%88.17%-568 bps
Total Risk-Based Capital310%396%417%321%107.96%-20,248 bps
Equity / Assets93.37%96.17%96.43%91.81%89.14%-423 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets51.13%54.52%56.66%55.05%56.78%+565 bps
CRE / Total Capitaln/an/an/an/an/an/an/a