Lynn, MA · Cert 26453
FDIC · 2 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Lynn, MA · Cert 26453
FDIC · 2 branches
Q2 2016
Market Position · Boston-Cambridge-Newton, MA-NH · 2016 SOD (annual) · 0.0% share · #104 of 138 inst. · $0.1B of $311.2B
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | -0.01% | 0.26% | 0.31% | 1.02% | 0.69% | 0.04% | 0.18% | -14 bps | |
| Return on Equity | 3.18% | -0.07% | 2.55% | 3.00% | 9.42% | 6.16% | 0.35% | 1.40% | -160 bps | |
| Net Interest Margin | 2.82% | 2.84% | 2.63% | 2.65% | 2.82% | 2.85% | 2.83% | 2.84% | +19 bps | |
| Efficiency Ratio | 94.10% | 103.77% | 91.13% | 89.70% | 84.07% | 87.37% | 83.15% | 78.23% | -1,147 bps | |
| Non-Interest Burden | 2.62% | 2.96% | 2.36% | 2.34% | 2.33% | 2.51% | 2.42% | 2.29% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.79% | 1.88% | -5.29% | -5.60% | -1.40% | -3.48% | -3.99% | -3.07% | +253 bps | |
| Loan Growth (YoY) | -3.75% | -3.47% | -3.00% | -2.19% | -2.14% | -3.92% | -5.03% | -8.32% | -613 bps | |
| Deposit Growth (YoY) | 0.52% | 0.81% | -5.74% | -4.00% | -1.15% | 4.18% | 2.75% | 1.11% | +511 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% | 0.08% | 0.04% | 0.08% | 0.06% | 0.00% | 0.00% | -4 bps | |
| Allowance / Loans | 0.91% | 0.90% | 0.90% | 0.89% | 0.01% | 0.08% | 0.23% | 0.32% | -57 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 | 10.29% | 10.34% | 11.24% | 11.31% | 11.53% | 11.78% | +144 bps | |
| Total Risk-Based Capital | 17.09% | 17.47% | 16.19% | 16.20% | 16.56% | 17.54% | 18.07% | 19.24% | +304 bps | |
| Equity / Assets | 10.19% | 10.17% | 10.49% | 10.47% | 12.30% | 12.20% | 12.53% | 12.78% | +231 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.04% | 83.74% | 83.11% | 82.58% | 81.21% | 77.23% | 76.81% | 74.88% | -770 bps | |
| Liquid Assets / Assets | 5.15% | 4.96% | 6.38% | 5.32% | 7.49% | 5.53% | 7.91% | 8.00% | +267 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |