Lenox, MA · Cert 2598
FDIC · 1 branch
Q3 2015
Market Position · Pittsfield, MA · 2015 SOD (annual) · 1.6% share · #9 of 11 inst. · $0.1B of $3.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.44% | 0.37% | 0.40% | 0.00% | 0.23% | -0.13% | -0.25% | -65 bps | |
| Return on Equity | 1.89% | 3.52% | 2.93% | 3.24% | 0.00% | 1.81% | -1.05% | -1.96% | -520 bps | |
| Net Interest Margin | 2.99% | 2.79% | 2.77% | 2.66% | 2.72% | 2.65% | 2.59% | 2.60% | -6 bps | |
| Efficiency Ratio | 82.12% | 74.70% | 76.25% | 72.05% | 91.24% | 83.19% | 93.38% | 105.24% | +3,319 bps | |
| Non-Interest Burden | 2.42% | 2.05% | 2.07% | 1.88% | 2.46% | 2.18% | 2.41% | 2.75% | +87 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.84% | 8.60% | 1.72% | 5.98% | -0.77% | -2.43% | -0.13% | -7.82% | -1,380 bps | |
| Loan Growth (YoY) | 1.37% | 3.74% | -1.50% | -2.20% | -3.70% | -6.07% | -6.86% | -8.30% | -610 bps | |
| Deposit Growth (YoY) | 6.12% | 9.48% | 1.56% | 6.53% | -1.03% | -2.90% | -0.12% | -8.69% | -1,522 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% | 0.00% | 0.00% | 0.54% | 0.00% | 0.80% | 1.21% | 0.16% | -39 bps | |
| Allowance / Loans | 1.94% | 1.87% | 1.89% | 1.85% | 2.18% | 1.96% | 1.67% | 1.57% | -29 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 | n/a | n/a | n/a | n/a | n/a | 12.75% | 12.54% | 12.53% | n/a | |
| Total Risk-Based Capital | 30.28% | 30.20% | 30.30% | 30.21% | 31.23% | 31.22% | 31.26% | 32.12% | +191 bps | |
| Equity / Assets | 12.43% | 12.48% | 12.53% | 12.01% | 12.72% | 12.96% | 12.58% | 12.89% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 42.47% | 43.89% | 43.91% | 40.56% | 41.33% | 42.46% | 40.94% | 40.73% | +17 bps | |
| Liquid Assets / Assets | 50.84% | 50.00% | 51.70% | 51.14% | 54.57% | 53.68% | 48.91% | 46.11% | -502 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |