North Abington, MA · Cert 26549
FDIC · 3 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 2019, 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.
North Abington, MA · Cert 26549
FDIC · 3 branches
Q1 2019
Market Position · Boston-Cambridge-Newton, MA-NH · 2018 SOD (annual) · 0.1% share · #71 of 126 inst. · $0.3B of $348.3B
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.44% | 1.12% | 0.44% | 0.52% | 0.56% | 0.47% | 0.45% | +1 bps | |
| Return on Equity | 3.73% | 4.66% | 11.57% | 4.26% | 4.98% | 5.32% | 4.45% | 4.29% | +3 bps | |
| Net Interest Margin | 2.63% | 2.98% | 2.46% | 3.20% | 3.29% | 3.31% | 3.40% | 3.46% | +25 bps | |
| Efficiency Ratio | 80.42% | 76.45% | 65.09% | 79.85% | 79.84% | 77.52% | 81.77% | 84.60% | +475 bps | |
| Non-Interest Burden | 2.09% | 2.26% | 1.37% | 2.56% | 2.62% | 2.55% | 2.78% | 2.91% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 76.52% | 67.34% | 132.94% | 119.89% | 34.25% | 36.15% | 1.15% | 3.73% | -11,617 bps | |
| Loan Growth (YoY) | 70.09% | 71.87% | 128.65% | 142.32% | 37.41% | 35.92% | 2.74% | 0.13% | -14,218 bps | |
| Deposit Growth (YoY) | 82.83% | 67.49% | 137.03% | 120.99% | 33.10% | 37.01% | -0.13% | 2.93% | -11,806 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.34% | 0.42% | 0.79% | 0.91% | 0.65% | 0.75% | 0.63% | 0.45% | -47 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.50% | 0.55% | 0.57% | 0.58% | 0.60% | 0.63% | 0.62% | 0.62% | +3 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.3x | 0.7x | 0.6x | 0.9x | 0.8x | 1.0x | 1.4x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.86% | 9.31% | 9.77% | 10.01% | 9.99% | 10.15% | 10.20% | 10.13% | +12 bps | |
| Total Risk-Based Capital | 13.59% | 13.74% | 16.04% | 15.43% | 15.15% | 15.20% | 15.15% | 15.45% | +2 bps | |
| Equity / Assets | 9.53% | 9.97% | 10.39% | 10.50% | 10.34% | 10.62% | 10.55% | 10.55% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.56% | 92.50% | 88.61% | 90.51% | 90.40% | 91.76% | 91.15% | 88.05% | -246 bps | |
| Liquid Assets / Assets | 7.29% | 4.43% | 3.67% | 2.02% | 3.17% | 2.87% | 4.52% | 6.40% | +438 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |