Glastonbury, CT · Cert 34858
FDIC · 1 branch
Q4 2017
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Glastonbury, CT · Cert 34858
FDIC · 1 branch
Q4 2017
Market Position · Hartford-West Hartford-East Hartford, CT · 2017 SOD (annual) · 0.3% share · #19 of 30 inst. · $0.1B of $43.8B
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.21% | 0.20% | 0.33% | 0.23% | 0.27% | 0.80% | 0.65% | +33 bps | |
| Return on Equity | 3.39% | 1.92% | 1.88% | 3.00% | 2.16% | 2.62% | 7.71% | 6.30% | +329 bps | |
| Net Interest Margin | 1.72% | 1.59% | 1.53% | 1.60% | 1.67% | 1.71% | 1.73% | 1.66% | +6 bps | |
| Efficiency Ratio | 92.01% | 95.84% | 95.82% | 93.48% | 94.99% | 94.16% | 85.87% | 88.61% | -487 bps | |
| Non-Interest Burden | 1.17% | 1.31% | 1.25% | 1.16% | 1.37% | 1.35% | 0.81% | 0.99% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.95% | -7.66% | -4.69% | 5.65% | 3.87% | 0.58% | 11.70% | 5.85% | +20 bps | |
| Loan Growth (YoY) | 20.66% | 16.75% | 8.48% | 17.08% | 15.52% | 18.38% | 16.42% | 4.86% | -1,222 bps | |
| Deposit Growth (YoY) | 33.55% | -5.83% | -5.60% | 4.97% | 5.82% | 0.85% | 11.95% | 18.62% | +1,365 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.01% | 0 bps | |
| Allowance / Loans | 1.53% | 1.57% | 1.55% | 1.43% | 1.40% | 1.36% | 1.31% | 1.31% | -12 bps | |
| 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 | 10.92% | 10.77% | 10.46% | 10.98% | 10.80% | 10.63% | 10.70% | 8.95% | -204 bps | |
| Total Risk-Based Capital | 32.76% | 34.06% | 33.87% | 33.78% | 33.98% | 34.98% | 33.60% | 31.44% | -234 bps | |
| Equity / Assets | 10.30% | 10.45% | 10.89% | 11.07% | 9.93% | 10.50% | 10.30% | 9.98% | -109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 28.11% | 27.08% | 29.62% | 34.41% | 30.69% | 31.78% | 30.80% | 30.41% | -399 bps | |
| Liquid Assets / Assets | 27.79% | 28.85% | 20.88% | 23.90% | 31.75% | 33.12% | 27.00% | 30.02% | +611 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |