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 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets7.31%7.52%7.95%7.61%7.50%4.42%4.47%4.12%-349 bps
Return on Equity7.88%7.92%8.44%8.10%7.94%4.59%4.71%4.42%-368 bps
Net Interest Margin0.23%0.40%0.36%0.37%0.37%0.52%0.68%0.58%+22 bps
Efficiency Ratio76.62%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/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