Melrose, MA · Cert 26511
FDIC · 1 branch
Q1 2020
Market Position · Boston-Cambridge-Newton, MA-NH · 2019 SOD (annual) · 0.1% share · #69 of 119 inst. · $0.3B of $357.4B
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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.40% | 0.36% | 0.21% | 0.49% | +5 bps | |
| Return on Equity | 4.01% | 3.83% | 3.58% | 2.11% | 5.40% | +140 bps | |
| Net Interest Margin | 2.21% | 2.17% | 2.11% | 2.10% | 2.08% | -13 bps | |
| Efficiency Ratio | 79.23% | 78.65% | 78.60% | 85.61% | 71.59% | -764 bps | |
| Non-Interest Burden | 1.73% | 1.69% | 1.65% | 1.79% | 1.35% | -38 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.88% | 6.74% | 5.77% | 5.63% | 5.13% | +25 bps | |
| Loan Growth (YoY) | 6.23% | 4.11% | 6.75% | 6.77% | 5.76% | -47 bps | |
| Deposit Growth (YoY) | 12.33% | 11.50% | 12.61% | 11.53% | 6.85% | -549 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.06% | 0.06% | 0.06% | 0.16% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.50% | 0.52% | 0.53% | 0.55% | 0.55% | +5 bps | |
| Allowance Coverage of NPLs | 3.9x | 8.0x | 8.6x | 9.2x | 3.5x | -0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.74% | 9.40% | 9.24% | 9.15% | 9.25% | -149 bps | |
| Total Risk-Based Capital | 16.52% | 15.01% | 14.54% | 13.83% | 14.24% | -228 bps | |
| Equity / Assets | 10.61% | 9.07% | 9.19% | 9.14% | 9.18% | -143 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 104.39% | 103.38% | 103.07% | 105.51% | 103.33% | -106 bps | |
| Liquid Assets / Assets | 2.59% | 4.01% | 2.90% | 2.04% | 2.90% | +32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |