PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Acadia Trust, National Association

Portland, ME · Cert 33597

FDIC

Q3 2016

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

Executive Summary

  • Earnings: ROA of 3.47%, down 346 bps year over year; NIM at 0.53%.
  • Capital: tier 1 leverage ratio of 88.17%, down 568 bps from a year ago.

Return on Assets (quarter, annualized)

3.47%-346 bps YoY

Net Interest Margin (quarter, annualized)

0.53%+10 bps YoY

Efficiency Ratio (quarter, annualized)

85.91%+1,159 bps YoY

Tier 1 Leverage Ratio

88.17%-568 bps YoY

NIM

0.20%Q3 ’140.27%Q3 ’150.35%Q3 ’16+111%+23%

Non-interest income vs. expense

40.88%Q3 ’1434.44%Q3 ’1537.64%Q3 ’16-22%+52%

Discrete quarter, annualized.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets7.82%7.52%8.39%6.93%7.10%4.42%4.55%3.47%-346 bps
Return on Equity8.38%7.92%8.95%7.44%7.50%4.59%4.84%3.84%-360 bps
Net Interest Margin0.24%0.40%0.32%0.43%0.41%0.52%0.83%0.53%+10 bps
Efficiency Ratio74.72%74.71%73.44%74.32%74.10%82.95%84.35%85.91%+1,159 bps
Non-Interest Burden-11.52%-11.40%-13.01%-10.65%-10.62%-6.39%-6.71%-5.09%+556 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/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a93.98%95.35%93.85%92.55%93.06%97.00%88.17%-568 bps
Total Risk-Based Capital408%314%318%310%396%417%321%107.96%-20,248 bps
Equity / Assets95.14%94.65%92.90%93.37%96.17%96.43%91.81%89.14%-423 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets52.40%49.01%50.95%51.13%54.52%56.66%55.05%56.78%+565 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a