Southbridge, MA · Cert 23524
FDIC · 9 branches
Q1 2017
Market Position · Worcester, MA-CT · 2016 SOD (annual) · 2.3% share · #11 of 42 inst. · $0.4B of $17.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.62% | 0.42% | 0.41% | 0.38% | 0.30% | 0.20% | -0.01% | -42 bps | |
| Return on Equity | 4.62% | 7.72% | 5.29% | 5.23% | 4.80% | 3.67% | 2.51% | -0.10% | -533 bps | |
| Net Interest Margin | 3.22% | 3.16% | 3.13% | 3.03% | 2.93% | 2.77% | 2.95% | 2.80% | -23 bps | |
| Efficiency Ratio | 83.54% | 76.05% | 84.99% | 85.64% | 84.07% | 85.20% | 81.68% | 91.75% | +611 bps | |
| Non-Interest Burden | 2.50% | 2.17% | 2.51% | 2.46% | 2.29% | 2.19% | 2.39% | 2.59% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.39% | 12.35% | 13.25% | 13.35% | 11.33% | 9.58% | 6.61% | 6.14% | -721 bps | |
| Loan Growth (YoY) | 12.31% | 13.74% | 13.85% | 14.79% | 8.71% | 10.00% | 8.98% | 7.12% | -767 bps | |
| Deposit Growth (YoY) | 4.03% | 5.89% | 8.67% | 7.96% | 10.09% | 11.60% | 10.76% | 7.56% | -39 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.80% | +80 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.03% | 0.05% | 0.03% | 0.03% | 0.12% | 0.07% | 0.02% | -1 bps | |
| Allowance / Loans | 0.88% | 0.87% | 0.85% | 0.84% | 0.00% | 0.02% | 0.07% | 0.13% | -70 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.2x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.34% | 8.18% | 8.04% | 7.98% | 8.33% | 8.13% | 8.05% | 8.09% | +10 bps | |
| Total Risk-Based Capital | 12.93% | 12.25% | 12.06% | 11.84% | 11.67% | 11.15% | 11.27% | 11.42% | -42 bps | |
| Equity / Assets | 8.10% | 7.98% | 7.84% | 7.72% | 8.21% | 8.08% | 8.05% | 8.13% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.44% | 115.80% | 115.35% | 114.26% | 111.03% | 114.14% | 113.49% | 113.80% | -47 bps | |
| Liquid Assets / Assets | 0.65% | 0.77% | 0.87% | 1.04% | 1.47% | 1.53% | 0.07% | 0.15% | -88 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |