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Holbrook Co-operative Bank

Holbrook, MA · Cert 26600

FDIC · 1 branch

Q1 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2017, the quarter ended March 31, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Holbrook Co-operative Bank

Holbrook, MA · Cert 26600

FDIC · 1 branch

Q1 2017

$101.3MAssets
$71.2MLoans
$88.8MDeposits
$9.2MEquity
Loan mix
90%RE $56.3M7%C&I $4.4M3%Consumer $1.9MQ1 2016Q1 2017
Deposit mix
78%Interest-bearing $69.2M22%Noninterest $19.6MQ1 2016Q1 2017

NIM

3.57%Q1 ’153.58%Q1 ’163.43%Q1 ’17+1%-4%

Non-interest income vs. expense

3.60%Q1 ’153.26%Q1 ’163.57%Q1 ’17-10%+13%

Market Position · Boston-Cambridge-Newton, MA-NH · 2016 SOD (annual) · 0.0% share · #102 of 138 inst. · $0.1B of $311.2B

Executive Summary

  • Earnings: ROA of -0.03%, down 25 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 2.17% of loans (+217 bps YoY), with net charge-offs at 0.75%.
  • Capital: tier 1 leverage ratio of 8.94%, up 31 bps from a year ago.
  • Funding: loans stand at 80.12% of deposits as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.03%-25 bps YoY

Net Interest Margin (YTD, annualized)

3.22%-15 bps YoY

Efficiency Ratio (YTD, annualized)

103.71%+1,476 bps YoY

Tier 1 Leverage Ratio

8.94%+31 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets0.22%0.18%0.17%0.09%-0.03%-25 bps
Return on Equity2.48%2.01%1.90%1.03%-0.35%-282 bps
Net Interest Margin3.37%3.42%3.42%3.42%3.22%-15 bps
Efficiency Ratio88.95%90.46%91.09%94.56%103.71%+1,476 bps
Non-Interest Burden2.97%3.06%3.09%3.21%3.35%+38 bps
Growth
Asset Growth (YoY)9.23%6.14%4.73%-3.55%-0.88%-1,011 bps
Loan Growth (YoY)9.86%14.77%3.17%-4.67%-10.62%-2,047 bps
Deposit Growth (YoY)14.54%5.83%5.36%-3.94%-4.21%-1,875 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%2.17%+217 bps
Net Charge-Offs / Loans0.00%0.11%0.08%0.07%0.75%+75 bps
Allowance / Loans0.90%0.86%0.91%0.99%0.83%-6 bps
Allowance Coverage of NPLsn/an/an/an/a0.4xn/an/a
Capital
Tier 1 Leverage Ratio8.63%8.90%8.88%9.00%8.94%+31 bps
Total Risk-Based Capital13.40%13.38%13.53%14.54%14.85%+145 bps
Equity / Assets9.06%9.30%9.38%9.15%9.07%+2 bps
Liquidity & Funding
Loans / Deposits85.86%92.41%89.94%83.39%80.12%-574 bps
Liquid Assets / Assets10.56%7.93%7.37%14.85%18.03%+748 bps
CRE / Total Capitaln/an/an/an/an/an/an/a