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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.54% | 0.35% | 0.36% | 0.32% | 0.31% | 0.21% | 0.27% | -8 bps | |
| Return on Equity | 7.01% | 6.53% | 4.07% | 4.14% | 3.77% | 3.56% | 2.41% | 3.05% | -110 bps | |
| Net Interest Margin | 2.94% | 2.85% | 2.77% | 2.75% | 2.72% | 2.70% | 2.77% | 2.80% | +5 bps | |
| Efficiency Ratio | 74.68% | 76.26% | 82.71% | 83.20% | 84.43% | 85.05% | 94.13% | 89.88% | +668 bps | |
| Non-Interest Burden | 2.09% | 2.06% | 2.20% | 2.21% | 2.22% | 2.23% | 2.59% | 2.48% | +27 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 | 0.08% | 0.06% | 0.78% | 0.39% | 0.53% | 0.38% | 0.00% | -0.17% | -56 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 |