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 (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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.36% | 2.46% | -0.35% | 0.04% | 0.31% | -5 bps | |
| Return on Equity | 3.42% | 21.58% | -2.85% | 0.35% | 2.43% | -99 bps | |
| Net Interest Margin | 2.67% | 3.11% | 2.83% | 2.83% | 2.83% | +17 bps | |
| Efficiency Ratio | 88.28% | 74.69% | 99.03% | 83.15% | 73.07% | -1,521 bps | |
| Non-Interest Burden | 2.30% | 2.33% | 2.96% | 2.42% | 2.13% | -18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.60% | -1.40% | -3.48% | -3.99% | -3.07% | +253 bps | |
| Loan Growth (YoY) | -2.19% | -2.14% | -3.92% | -5.03% | -8.32% | -613 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.16% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.34% | 11.24% | 11.31% | 11.53% | 11.78% | +144 bps | |
| Total Risk-Based Capital | 16.20% | 16.56% | 17.54% | 18.07% | 19.24% | +304 bps | |
| Equity / Assets | 10.47% | 12.30% | 12.20% | 12.53% | 12.78% | +231 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.58% | 81.21% | 77.23% | 76.81% | 74.88% | -770 bps | |
| Liquid Assets / Assets | 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 |