PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Foxboro NB of Foxborough

Foxboro, MA · Cert 2581

FDIC

Q4 1997

$70.4MAssets
$46.2MLoans
$57.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.93%, down 5 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 80.97% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

0.93%-5 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets1.02%0.93%0.99%0.98%1.34%1.09%1.06%0.93%-5 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)3.74%-1.26%4.57%2.70%10.01%10.44%7.62%2.99%+29 bps
Loan Growth (YoY)6.34%3.55%4.74%8.25%14.28%16.00%13.83%7.63%-63 bps
Deposit Growth (YoY)4.23%-1.49%4.52%2.44%4.45%3.79%1.54%-3.83%-626 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits67.79%68.51%69.35%72.35%74.16%76.57%77.75%80.97%+861 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a