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Bankers Bank Northeast

Glastonbury, CT · Cert 34858

FDIC · 1 branch

Q4 2017

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: Q4 2017, the quarter ended December 31, 2017, 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

Bankers Bank Northeast

Glastonbury, CT · Cert 34858

FDIC · 1 branch

Q4 2017

$166.3MAssets
$43.9MLoans
$144.5MDeposits
$16.6MEquity
Deposit mix
1%Interest-bearing $1.7M99%Noninterest $142.8MQ4 2016Q4 2017

NIM

1.34%Q4 ’151.71%Q4 ’161.77%Q4 ’17+24%+4%

Non-interest income vs. expense

6.17%Q4 ’156.31%Q4 ’165.22%Q4 ’17+21%-15%

Market Position · Hartford-West Hartford-East Hartford, CT · 2017 SOD (annual) · 0.3% share · #19 of 30 inst. · $0.1B of $43.8B

Executive Summary

  • Earnings: ROA of 0.65%, up 33 bps year over year; NIM at 1.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.95%, down 204 bps from a year ago.
  • Funding: loans stand at 30.41% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

0.65%+33 bps YoY

Net Interest Margin (YTD, annualized)

1.66%+6 bps YoY

Efficiency Ratio (YTD, annualized)

88.61%-487 bps YoY

Tier 1 Leverage Ratio

8.95%-204 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.33%0.23%0.27%0.80%0.65%+33 bps
Return on Equity3.00%2.16%2.62%7.71%6.30%+329 bps
Net Interest Margin1.60%1.67%1.71%1.73%1.66%+6 bps
Efficiency Ratio93.48%94.99%94.16%85.87%88.61%-487 bps
Non-Interest Burden1.16%1.37%1.35%0.81%0.99%-17 bps
Growth
Asset Growth (YoY)5.65%3.87%0.58%11.70%5.85%+20 bps
Loan Growth (YoY)17.08%15.52%18.38%16.42%4.86%-1,222 bps
Deposit Growth (YoY)4.97%5.82%0.85%11.95%18.62%+1,365 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.01%0 bps
Allowance / Loans1.43%1.40%1.36%1.31%1.31%-12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.98%10.80%10.63%10.70%8.95%-204 bps
Total Risk-Based Capital33.78%33.98%34.98%33.60%31.44%-234 bps
Equity / Assets11.07%9.93%10.50%10.30%9.98%-109 bps
Liquidity & Funding
Loans / Deposits34.41%30.69%31.78%30.80%30.41%-399 bps
Liquid Assets / Assets23.90%31.75%33.12%27.00%30.02%+611 bps
CRE / Total Capitaln/an/an/an/an/an/an/a