Weymouth, MA · Cert 26575
FDIC · 9 branches
Q1 2019
Market Position · Boston-Cambridge-Newton, MA-NH · 2018 SOD (annual) · 0.1% share · #58 of 126 inst. · $0.4B of $348.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.50% | 0.30% | 0.36% | 0.17% | -22 bps | |
| Return on Equity | 4.24% | 5.52% | 3.24% | 3.92% | 1.86% | -238 bps | |
| Net Interest Margin | 3.32% | 3.28% | 3.05% | 3.01% | 3.13% | -20 bps | |
| Efficiency Ratio | 80.19% | 78.41% | 84.54% | 84.38% | 88.89% | +870 bps | |
| Non-Interest Burden | 2.68% | 2.58% | 2.60% | 2.56% | 2.80% | +12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.52% | 4.45% | 4.79% | 2.21% | 2.37% | -114 bps | |
| Loan Growth (YoY) | 7.42% | 7.04% | 6.89% | 3.94% | 3.31% | -411 bps | |
| Deposit Growth (YoY) | -1.57% | -2.31% | -3.55% | 0.19% | 3.47% | +504 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.12% | 0.33% | 0.36% | 0.33% | 0.30% | +18 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.64% | 0.64% | 0.67% | 0.67% | 0.70% | +6 bps | |
| Allowance Coverage of NPLs | 5.5x | 2.0x | 1.9x | 2.0x | 2.4x | -3.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.05% | 9.10% | 9.02% | 9.09% | 9.19% | +14 bps | |
| Total Risk-Based Capital | 13.81% | 13.94% | 13.91% | 14.16% | 14.09% | +28 bps | |
| Equity / Assets | 9.15% | 9.15% | 9.11% | 9.31% | 9.29% | +14 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 109.48% | 111.99% | 114.52% | 110.99% | 109.30% | -17 bps | |
| Liquid Assets / Assets | 1.40% | 1.23% | 1.37% | 0.81% | 1.62% | +22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |