Chelsea, MA · Cert 26548
FDIC · 1 branch
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Chelsea, MA · Cert 26548
FDIC · 1 branch
Q4 2014
Market Position · Boston-Cambridge-Newton, MA-NH · 2014 SOD (annual) · 0.0% share · #119 of 145 inst. · $0.1B of $305.8B
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.42% | 0.31% | 0.29% | -0.07% | 0.06% | 0.16% | -0.30% | -59 bps | |
| Return on Equity | 3.47% | 4.32% | 3.21% | 2.93% | -0.72% | 0.58% | 1.67% | -3.14% | -607 bps | |
| Net Interest Margin | 2.77% | 3.01% | 2.91% | 2.82% | 2.76% | 2.84% | 2.98% | 2.94% | +12 bps | |
| Efficiency Ratio | 88.15% | 85.30% | 88.86% | 89.83% | 104.62% | 99.91% | 95.14% | 115.13% | +2,530 bps | |
| Non-Interest Burden | 2.25% | 2.33% | 2.43% | 2.40% | 2.93% | 2.83% | 2.78% | 3.54% | +113 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.11% | -3.30% | 3.82% | -1.67% | 1.82% | 6.84% | 1.71% | 0.61% | +228 bps | |
| Loan Growth (YoY) | 1.50% | -1.82% | -2.90% | 1.98% | 0.41% | 2.56% | 8.36% | 12.71% | +1,072 bps | |
| Deposit Growth (YoY) | 7.05% | -3.83% | 4.03% | -2.10% | 1.81% | 7.56% | 1.53% | 0.11% | +222 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 | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.03% | 1.02% | 1.04% | 1.04% | 1.02% | 1.00% | 0.96% | 0.92% | -12 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 19.20% | 19.93% | 19.46% | 19.44% | 19.06% | 18.76% | 19.09% | 17.77% | -167 bps | |
| Equity / Assets | 9.87% | 10.16% | 9.60% | 9.90% | 9.88% | 9.62% | 9.61% | 9.53% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.70% | 76.05% | 70.26% | 71.95% | 73.67% | 72.52% | 74.99% | 81.00% | +905 bps | |
| Liquid Assets / Assets | 14.35% | 14.81% | 13.99% | 14.37% | 14.37% | 15.22% | 22.84% | 18.83% | +446 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |