Holbrook, MA · Cert 26600
FDIC · 1 branch
Q1 2017
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Holbrook, MA · Cert 26600
FDIC · 1 branch
Q1 2017
Market Position · Boston-Cambridge-Newton, MA-NH · 2016 SOD (annual) · 0.0% share · #102 of 138 inst. · $0.1B of $311.2B
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.20% | 0.29% | 0.22% | 0.18% | 0.17% | 0.09% | -0.03% | -25 bps | |
| Return on Equity | 2.50% | 2.11% | 3.09% | 2.48% | 2.01% | 1.90% | 1.03% | -0.35% | -282 bps | |
| Net Interest Margin | 3.22% | 3.26% | 3.17% | 3.37% | 3.42% | 3.42% | 3.42% | 3.22% | -15 bps | |
| Efficiency Ratio | 93.06% | 93.89% | 89.24% | 88.95% | 90.46% | 91.09% | 94.56% | 103.71% | +1,476 bps | |
| Non-Interest Burden | 2.97% | 3.03% | 2.77% | 2.97% | 3.06% | 3.09% | 3.21% | 3.35% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.35% | -0.07% | 9.41% | 9.23% | 6.14% | 4.73% | -3.55% | -0.88% | -1,011 bps | |
| Loan Growth (YoY) | -1.54% | 5.34% | 5.07% | 9.86% | 14.77% | 3.17% | -4.67% | -10.62% | -2,047 bps | |
| Deposit Growth (YoY) | -0.48% | -0.23% | 10.71% | 14.54% | 5.83% | 5.36% | -3.94% | -4.21% | -1,875 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.17% | +217 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.04% | 0.04% | 0.00% | 0.11% | 0.08% | 0.07% | 0.75% | +75 bps | |
| Allowance / Loans | 0.90% | 0.84% | 0.90% | 0.90% | 0.86% | 0.91% | 0.99% | 0.83% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.4x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.50% | 9.01% | 8.71% | 8.63% | 8.90% | 8.88% | 9.00% | 8.94% | +31 bps | |
| Total Risk-Based Capital | 16.22% | 14.30% | 13.86% | 13.40% | 13.38% | 13.53% | 14.54% | 14.85% | +145 bps | |
| Equity / Assets | 9.50% | 9.54% | 8.80% | 9.06% | 9.30% | 9.38% | 9.15% | 9.07% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.21% | 91.85% | 84.03% | 85.86% | 92.41% | 89.94% | 83.39% | 80.12% | -574 bps | |
| Liquid Assets / Assets | 8.14% | 6.20% | 14.95% | 10.56% | 7.93% | 7.37% | 14.85% | 18.03% | +748 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |