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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.05% | 0.19% | 0.70% | 0.23% | 0.32% | 1.84% | 0.18% | -52 bps | |
| Return on Equity | 3.39% | 0.46% | 1.80% | 6.36% | 2.16% | 3.09% | 17.70% | 1.77% | -460 bps | |
| Net Interest Margin | 1.72% | 1.47% | 1.50% | 1.65% | 1.67% | 1.78% | 1.88% | 1.85% | +21 bps | |
| Efficiency Ratio | 92.01% | 99.81% | 95.79% | 86.38% | 94.99% | 93.36% | 73.25% | 97.24% | +1,086 bps | |
| Non-Interest Burden | 1.17% | 1.46% | 1.22% | 0.73% | 1.37% | 1.37% | -0.18% | 1.69% | +96 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% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | +4 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 |