Wellesley, MA · Cert 26605
FDIC · 6 branches
Q1 2020
Market Position · Boston-Cambridge-Newton, MA-NH · 2019 SOD (annual) · 0.2% share · #38 of 119 inst. · $0.7B of $357.4B
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.86% | 0.85% | 0.72% | 0.75% | 0.83% | 0.80% | 0.87% | +16 bps | |
| Return on Equity | 10.36% | 10.45% | 10.35% | 8.72% | 9.20% | 10.15% | 9.75% | 10.21% | +149 bps | |
| Net Interest Margin | 3.03% | 2.99% | 2.95% | 2.97% | 2.89% | 2.80% | 2.91% | 3.20% | +23 bps | |
| Efficiency Ratio | 63.16% | 62.83% | 62.97% | 66.67% | 66.05% | 63.70% | 63.80% | 59.71% | -696 bps | |
| Non-Interest Burden | 1.80% | 1.77% | 1.74% | 1.88% | 1.79% | 1.66% | 1.74% | 1.75% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.53% | 8.86% | 8.25% | 10.95% | 14.80% | 17.14% | 8.12% | 4.28% | -666 bps | |
| Loan Growth (YoY) | 14.00% | 11.14% | 7.41% | 14.56% | 16.71% | 15.38% | 13.67% | 10.21% | -435 bps | |
| Deposit Growth (YoY) | 19.86% | 15.16% | 16.37% | 16.78% | 13.57% | 13.18% | 4.85% | -2.03% | -1,882 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.17% | 0.15% | 0.14% | 0.13% | 0.19% | 0.19% | 0.19% | +4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.90% | 0.90% | 0.91% | 0.89% | 0.86% | 0.86% | 0.91% | 0.95% | +6 bps | |
| Allowance Coverage of NPLs | 5.3x | 5.4x | 5.9x | 6.2x | 6.4x | 4.5x | 4.8x | 5.1x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.45% | 8.45% | 8.44% | 8.37% | 8.14% | 8.01% | 8.36% | 8.60% | +23 bps | |
| Total Risk-Based Capital | 12.30% | 12.46% | 12.31% | 11.61% | 11.21% | 11.51% | 11.61% | 11.61% | -1 bps | |
| Equity / Assets | 8.23% | 8.38% | 8.28% | 8.17% | 8.04% | 8.05% | 8.51% | 8.61% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.58% | 108.43% | 103.54% | 104.59% | 113.65% | 110.54% | 112.24% | 117.66% | +1,307 bps | |
| Liquid Assets / Assets | 3.33% | 2.26% | 4.20% | 3.28% | 2.72% | 7.64% | 3.67% | 3.33% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |