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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | 0.14% | 0.16% | -0.15% | -0.03% | -25 bps | |
| Return on Equity | 2.48% | 1.55% | 1.67% | -1.60% | -0.35% | -282 bps | |
| Net Interest Margin | 3.37% | 3.38% | 3.47% | 3.29% | 3.22% | -15 bps | |
| Efficiency Ratio | 88.95% | 91.99% | 92.33% | 105.93% | 103.71% | +1,476 bps | |
| Non-Interest Burden | 2.97% | 3.08% | 3.18% | 3.49% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 2.17% | +217 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.22% | 0.02% | 0.00% | 0.75% | +75 bps | |
| Allowance / Loans | 0.90% | 0.86% | 0.91% | 0.99% | 0.83% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.4x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.63% | 8.90% | 8.88% | 9.00% | 8.94% | +31 bps | |
| Total Risk-Based Capital | 13.40% | 13.38% | 13.53% | 14.54% | 14.85% | +145 bps | |
| Equity / Assets | 9.06% | 9.30% | 9.38% | 9.15% | 9.07% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.86% | 92.41% | 89.94% | 83.39% | 80.12% | -574 bps | |
| Liquid Assets / Assets | 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 |