Lowell, MA · Cert 26467
FDIC · 2 branches
Q2 2018
Market Position · Boston-Cambridge-Newton, MA-NH · 2018 SOD (annual) · 0.0% share · #97 of 126 inst. · $0.1B of $348.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | -0.70% | -1.82% | -1.16% | -0.77% | -1.74% | -1.18% | -0.70% | +46 bps | |
| Return on Equity | 18.48% | -8.28% | -21.59% | -14.14% | -9.73% | -23.04% | -16.12% | -9.93% | +421 bps | |
| Net Interest Margin | 2.84% | 2.87% | 2.91% | 3.16% | 3.32% | 3.17% | 3.19% | 3.08% | -7 bps | |
| Efficiency Ratio | 89.62% | 109.10% | 122.69% | 113.77% | 107.11% | 121.48% | 122.70% | 109.98% | -379 bps | |
| Non-Interest Burden | 1.30% | 3.94% | 4.85% | 4.36% | 4.01% | 4.87% | 4.66% | 3.81% | -55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.63% | -7.76% | -7.04% | -10.46% | -5.55% | -1.42% | -2.72% | 1.45% | +1,192 bps | |
| Loan Growth (YoY) | -11.11% | -12.54% | -10.39% | -5.69% | 0.09% | 7.25% | 6.05% | 0.23% | +592 bps | |
| Deposit Growth (YoY) | -11.09% | -12.17% | -5.08% | -8.57% | -11.71% | -10.82% | -14.06% | -16.79% | -821 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 2.00% | 1.96% | 1.65% | 1.66% | 1.50% | 1.68% | -28 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | -0.02% | 0.00% | 0.00% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 0.67% | 0.67% | 0.66% | 0.64% | 0.64% | 0.66% | 0.60% | 0.61% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 0.3x | 0.3x | 0.4x | 0.4x | 0.4x | 0.4x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.47% | 8.58% | 8.51% | 8.35% | 8.19% | 7.47% | 7.24% | 7.24% | -111 bps | |
| Total Risk-Based Capital | 15.23% | 15.80% | 15.00% | 14.38% | 13.67% | 12.94% | 12.50% | 12.42% | -196 bps | |
| Equity / Assets | 8.27% | 8.68% | 8.22% | 8.18% | 7.67% | 7.43% | 7.22% | 6.96% | -122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 121.48% | 117.21% | 111.86% | 122.45% | 137.71% | 140.95% | 138.04% | 147.49% | +2,504 bps | |
| Liquid Assets / Assets | 9.34% | 9.20% | 11.39% | 5.60% | 4.05% | 2.18% | 4.21% | 7.01% | +141 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |