Millbury, MA · Cert 21920
FDIC · 2 branches
Q3 2019
Market Position · Worcester, MA-CT · 2019 SOD (annual) · 1.0% share · #26 of 35 inst. · $0.2B of $18.9B
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 0.80% | 0.48% | 0.56% | 0.62% | -9 bps | |
| Return on Equity | 6.04% | 6.70% | 3.78% | 4.35% | 4.79% | -125 bps | |
| Net Interest Margin | 3.70% | 3.81% | 3.80% | 3.83% | 3.85% | +15 bps | |
| Efficiency Ratio | 75.08% | 74.26% | 83.77% | 81.26% | 79.42% | +433 bps | |
| Non-Interest Burden | 2.70% | 2.75% | 3.14% | 3.06% | 3.00% | +30 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.69% | -1.96% | -2.51% | -3.31% | -1.40% | +429 bps | |
| Loan Growth (YoY) | 0.09% | -0.41% | -1.84% | -0.42% | -2.05% | -214 bps | |
| Deposit Growth (YoY) | -2.97% | -3.27% | -1.92% | -4.23% | -2.75% | +22 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.59% | 0.54% | 0.67% | 0.56% | 0.37% | -22 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.02% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 1.00% | 0.99% | 1.00% | 0.98% | 1.00% | 0 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.8x | 1.5x | 1.8x | 2.7x | +1.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.46% | 12.94% | 13.17% | 13.33% | 13.47% | +101 bps | |
| Total Risk-Based Capital | 17.15% | 17.70% | 17.53% | 17.00% | 17.29% | +14 bps | |
| Equity / Assets | 12.28% | 12.46% | 12.88% | 13.22% | 13.61% | +133 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.26% | 93.13% | 91.62% | 96.46% | 95.94% | +69 bps | |
| Liquid Assets / Assets | 0.15% | 2.87% | 1.92% | 0.18% | 0.08% | -7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |