Portland, ME · Cert 33597
FDIC
Q3 2016
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Portland, ME · Cert 33597
FDIC
Q3 2016
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 7.31% | 7.52% | 7.95% | 7.61% | 7.50% | 4.42% | 4.47% | 4.12% | -349 bps | |
| Return on Equity | 7.88% | 7.92% | 8.44% | 8.10% | 7.94% | 4.59% | 4.71% | 4.42% | -368 bps | |
| Net Interest Margin | 0.23% | 0.40% | 0.36% | 0.37% | 0.37% | 0.52% | 0.68% | 0.58% | +22 bps | |
| Efficiency Ratio | 76.62% | 74.71% | 74.05% | 74.14% | 74.13% | 82.95% | 83.70% | 84.43% | +1,029 bps | |
| Non-Interest Burden | -10.63% | -11.40% | -12.12% | -11.40% | -10.97% | -6.39% | -6.59% | -5.79% | +561 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.09% | 7.81% | 7.98% | 6.20% | 7.13% | 5.39% | 7.54% | 10.33% | +413 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | 93.98% | 95.35% | 93.85% | 92.55% | 93.06% | 97.00% | 88.17% | -568 bps | |
| Total Risk-Based Capital | 408% | 314% | 318% | 310% | 396% | 417% | 321% | 107.96% | -20,248 bps | |
| Equity / Assets | 95.14% | 94.65% | 92.90% | 93.37% | 96.17% | 96.43% | 91.81% | 89.14% | -423 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 52.40% | 49.01% | 50.95% | 51.13% | 54.52% | 56.66% | 55.05% | 56.78% | +565 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |