Northampton, MA · Cert 26454
FDIC · 4 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Northampton, MA · Cert 26454
FDIC · 4 branches
Q1 2015
Market Position · Springfield, MA · 2014 SOD (annual) · 1.1% share · #16 of 22 inst. · $0.1B of $12.7B
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.49% | 0.43% | 0.27% | 0.23% | 0.29% | -0.10% | -0.48% | -74 bps | |
| Return on Equity | 4.03% | 3.42% | 3.06% | 1.88% | 1.64% | 2.06% | -0.69% | -3.41% | -529 bps | |
| Net Interest Margin | 2.29% | 2.29% | 2.28% | 2.28% | 2.32% | 2.31% | 2.36% | 2.43% | +15 bps | |
| Efficiency Ratio | 85.18% | 85.01% | 85.31% | 86.32% | 88.55% | 85.52% | 106.04% | 125.91% | +3,959 bps | |
| Non-Interest Burden | 1.87% | 1.88% | 1.87% | 1.91% | 2.01% | 1.92% | 2.52% | 3.15% | +123 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.20% | 2.86% | 2.00% | 0.10% | 2.23% | 4.80% | 1.57% | -0.46% | -55 bps | |
| Loan Growth (YoY) | 2.10% | -2.32% | 0.06% | 0.70% | 1.51% | 10.76% | 8.27% | 6.84% | +614 bps | |
| Deposit Growth (YoY) | -0.75% | 3.47% | 2.59% | 0.04% | 2.27% | -0.75% | -3.12% | -2.31% | -235 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 | -0.11% | -0.08% | -0.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.55% | 0.56% | 0.55% | 0.55% | 0.54% | 0.51% | 0.51% | 0.52% | -4 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 | n/a | n/a | 13.98% | n/a | n/a |
| Total Risk-Based Capital | 28.65% | 28.88% | 28.25% | 28.00% | 27.86% | 27.45% | 27.11% | 26.23% | -177 bps | |
| Equity / Assets | 14.25% | 14.01% | 14.07% | 14.17% | 14.20% | 13.77% | 13.92% | 14.17% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.26% | 63.37% | 64.66% | 64.53% | 65.77% | 70.71% | 72.26% | 70.58% | +605 bps | |
| Liquid Assets / Assets | 7.44% | 8.03% | 7.10% | 3.93% | 2.80% | 4.49% | 4.19% | 2.90% | -103 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |