Saugus, MA · Cert 26574
FDIC · 3 branches
Q2 2014
Market Position · Boston-Cambridge-Newton, MA-NH · 2014 SOD (annual) · 0.1% share · #88 of 145 inst. · $0.2B of $305.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.44% | 0.35% | 0.36% | 0.26% | 0.26% | 0.21% | 0.33% | -3 bps | |
| Return on Equity | 6.47% | 5.12% | 4.07% | 4.21% | 3.02% | 2.97% | 2.41% | 3.68% | -53 bps | |
| Net Interest Margin | 3.09% | 2.67% | 2.77% | 2.74% | 2.64% | 2.64% | 2.77% | 2.82% | +8 bps | |
| Efficiency Ratio | 77.48% | 81.07% | 82.71% | 83.68% | 87.01% | 87.01% | 94.13% | 85.74% | +206 bps | |
| Non-Interest Burden | 2.30% | 2.05% | 2.20% | 2.21% | 2.24% | 2.24% | 2.59% | 2.36% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.48% | 0.30% | 0.27% | 2.65% | 0.37% | -1.07% | -0.57% | -2.31% | -496 bps | |
| Loan Growth (YoY) | -3.03% | -1.33% | 2.23% | 2.95% | 3.05% | 8.03% | 4.84% | 6.90% | +395 bps | |
| Deposit Growth (YoY) | 0.06% | -0.28% | 0.77% | 3.82% | 1.12% | 0.26% | -0.21% | -2.44% | -626 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% | 0.00% | 0.78% | 0.00% | 0.80% | 0.00% | 0.00% | -0.34% | -34 bps | |
| Allowance / Loans | 1.61% | 1.62% | 1.38% | 1.41% | 1.24% | 1.21% | 1.19% | 1.26% | -15 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 | 14.32% | 14.60% | 14.09% | 14.35% | 14.36% | 14.09% | 14.16% | 14.34% | -1 bps | |
| Equity / Assets | 8.47% | 8.53% | 8.61% | 8.60% | 8.78% | 8.91% | 8.90% | 9.08% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.69% | 70.60% | 73.39% | 72.22% | 73.05% | 76.08% | 77.11% | 79.13% | +691 bps | |
| Liquid Assets / Assets | 30.88% | 32.35% | 29.91% | 30.40% | 29.97% | 26.03% | 27.17% | 26.07% | -433 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |