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Hampden Bank

Springfield, MA · Cert 90283

FDIC · 10 branches

Q1 2015

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: Q1 2015, the quarter ended March 31, 2015, 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

Hampden Bank

Springfield, MA · Cert 90283

FDIC · 10 branches

Q1 2015

$709.9MAssets
$510.4MLoans
$501.0MDeposits
$80.3MEquity
Loan mix
80%RE $312.5M12%C&I $47.3M8%Consumer $29.7MQ1 2014Q1 2015
Deposit mix
79%Interest-bearing $396.4M21%Noninterest $104.6MQ1 2014Q1 2015

NIM

3.79%Q1 ’133.67%Q1 ’143.70%Q1 ’150%+2%

Non-interest income vs. expense

2.50%Q1 ’132.24%Q1 ’142.24%Q1 ’15-5%-1%

Market Position · Springfield, MA · 2014 SOD (annual) · 3.9% share · #10 of 22 inst. · $0.5B of $12.7B

Executive Summary

  • Earnings: ROA of 0.67%, up 5 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 11.39%.
  • Funding: loans stand at 101.88% of deposits as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

0.67%+5 bps YoY

Net Interest Margin (YTD, annualized)

2.94%+6 bps YoY

Efficiency Ratio (YTD, annualized)

66.21%-176 bps YoY

Tier 1 Leverage Ratio

11.39%

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.62%0.67%0.68%0.69%0.67%+5 bps
Return on Equity5.58%6.12%6.24%6.26%6.04%+46 bps
Net Interest Margin2.88%2.88%2.91%2.89%2.94%+6 bps
Efficiency Ratio67.98%66.25%66.36%67.65%66.21%-176 bps
Non-Interest Burden1.83%1.75%1.77%1.80%1.80%-2 bps
Growth
Asset Growth (YoY)8.03%7.56%1.52%2.55%-0.65%-867 bps
Loan Growth (YoY)13.41%12.38%5.28%2.78%1.14%-1,227 bps
Deposit Growth (YoY)5.20%4.51%1.50%2.71%-0.79%-599 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.05%0.04%0.03%0.02%0 bps
Allowance / Loans1.11%1.10%1.12%1.12%1.13%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a11.39%n/an/a
Total Risk-Based Capital16.57%15.71%16.02%16.19%14.61%-196 bps
Equity / Assets11.07%10.78%10.87%11.03%11.31%+23 bps
Liquidity & Funding
Loans / Deposits99.94%103.12%103.86%105.04%101.88%+194 bps
Liquid Assets / Assets3.20%1.82%2.74%3.30%5.02%+182 bps
CRE / Total Capitaln/an/an/an/an/an/an/a