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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.20% | 0.40% | -1.23% | -0.48% | -74 bps | |
| Return on Equity | 1.88% | 1.40% | 2.88% | -8.91% | -3.41% | -529 bps | |
| Net Interest Margin | 2.28% | 2.36% | 2.41% | 2.47% | 2.43% | +15 bps | |
| Efficiency Ratio | 86.32% | 90.69% | 79.80% | 163.99% | 125.91% | +3,959 bps | |
| Non-Interest Burden | 1.91% | 2.11% | 1.84% | 4.31% | 3.15% | +123 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.10% | 2.23% | 4.80% | 1.57% | -0.46% | -55 bps | |
| Loan Growth (YoY) | 0.70% | 1.51% | 10.76% | 8.27% | 6.84% | +614 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 13.98% | n/a | n/a |
| Total Risk-Based Capital | 28.00% | 27.86% | 27.45% | 27.11% | 26.23% | -177 bps | |
| Equity / Assets | 14.17% | 14.20% | 13.77% | 13.92% | 14.17% | 0 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.53% | 65.77% | 70.71% | 72.26% | 70.58% | +605 bps | |
| Liquid Assets / Assets | 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 |