Gardner, MA · Cert 26556
FDIC · 2 branches
Q1 2018
Market Position · Worcester, MA-CT · 2017 SOD (annual) · 0.4% share · #33 of 39 inst. · $0.1B of $17.8B
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.18% | 0.16% | 0.15% | 0.08% | 0.06% | -0.44% | -7.83% | -799 bps | |
| Return on Equity | 2.29% | 2.32% | 2.03% | 1.93% | 1.04% | 0.71% | -5.42% | -111.82% | -11,375 bps | |
| Net Interest Margin | 3.63% | 3.62% | 3.75% | 3.52% | 3.55% | 3.56% | 3.56% | 3.64% | +13 bps | |
| Efficiency Ratio | 92.79% | 92.84% | 93.57% | 93.24% | 95.41% | 96.40% | 90.56% | 251% | +15,789 bps | |
| Non-Interest Burden | 3.27% | 3.26% | 3.40% | 3.18% | 3.31% | 3.35% | 3.07% | 10.12% | +694 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.12% | 4.49% | -1.35% | -2.05% | -4.04% | -9.05% | -3.93% | -6.68% | -463 bps | |
| Loan Growth (YoY) | 6.53% | 3.61% | 0.64% | -1.61% | -4.70% | -6.24% | -5.18% | -6.99% | -538 bps | |
| Deposit Growth (YoY) | 7.52% | 4.70% | -1.57% | -2.27% | -4.40% | -9.87% | -3.70% | -5.01% | -274 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 3.44% | 2.86% | 2.94% | 3.88% | 2.51% | -94 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | -0.01% | 0.39% | 0.47% | 0.33% | 0.24% | 5.01% | +462 bps | |
| Allowance / Loans | 0.76% | 0.78% | 0.80% | 0.70% | 0.58% | 0.60% | 0.61% | 0.39% | -31 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 0.2x | 0.2x | 0.2x | 0.2x | 0.2x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 6.34% | 6.46% | 6.68% | 6.65% | 6.79% | 6.87% | 6.66% | 4.85% | -180 bps | |
| Total Risk-Based Capital | 12.58% | 12.93% | 13.06% | 13.36% | 13.68% | 13.90% | 13.73% | 9.94% | -342 bps | |
| Equity / Assets | 7.68% | 7.64% | 8.02% | 8.00% | 8.12% | 8.47% | 7.90% | 6.09% | -191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.47% | 91.32% | 94.71% | 93.34% | 93.17% | 95.00% | 93.26% | 91.39% | -195 bps | |
| Liquid Assets / Assets | 7.75% | 10.01% | 7.63% | 8.98% | 8.40% | 6.68% | 9.20% | 9.62% | +64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |