Braintree, MA · Cert 26570
FDIC · 2 branches
Q3 2017
Market Position · Boston-Cambridge-Newton, MA-NH · 2017 SOD (annual) · 0.1% share · #76 of 131 inst. · $0.2B of $302.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.13% | 0.20% | 0.27% | 0.29% | 0.20% | 0.05%1 | -1.42% | -169 bps | |
| Return on Equity | 2.00% | 1.57% | 2.45% | 3.26% | 3.65% | 2.59% | 0.63% | -17.85% | -2,111 bps | |
| Net Interest Margin | 2.79% | 2.74% | 2.83% | 2.84% | 2.79% | 2.91% | 2.88% | 2.95% | +11 bps | |
| Efficiency Ratio | 94.48% | 94.18% | 91.08% | 90.03% | 89.70% | 94.17% | 91.36% | 162.12% | +7,209 bps | |
| Non-Interest Burden | 2.61% | 2.55% | 2.52% | 2.50% | 2.44% | 2.71% | 2.59% | 5.09% | +260 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.82% | 3.27% | 2.69% | 3.32% | 3.61% | 0.29% | 0.99% | -0.80% | -413 bps | |
| Loan Growth (YoY) | 1.56% | 1.06% | 5.59% | 2.56% | 2.00% | 3.74% | -2.08% | -0.33% | -289 bps | |
| Deposit Growth (YoY) | 4.11% | 3.54% | 0.95% | 3.19% | 3.85% | 0.29% | 2.62% | -0.41% | -360 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.70% | 0.94% | 0.96% | +96 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.12% | 0.00% | 0.06% | 0.13% | -0.01% | 0.00% | -0.02% | -8 bps | |
| Allowance / Loans | 0.73% | 0.74% | 0.77% | 0.79% | 0.77% | 0.77% | 0.96% | 0.98% | +19 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 1.1x | 1.0x | 1.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.81% | 7.84% | 7.92% | 7.93% | 7.81% | 8.01% | 8.00% | 7.49% | -45 bps | |
| Total Risk-Based Capital | 12.61% | 12.57% | 12.40% | 12.40% | 12.45% | 12.34% | 13.47% | 12.54% | +14 bps | |
| Equity / Assets | 8.02% | 8.08% | 8.29% | 8.19% | 7.76% | 7.99% | 8.09% | 7.79% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.58% | 67.55% | 72.14% | 68.77% | 67.35% | 69.87% | 68.84% | 68.83% | +5 bps | |
| Liquid Assets / Assets | 3.95% | 4.71% | 3.11% | 4.11% | 5.40% | 2.62% | 3.94% | 3.65% | -46 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |