Avon, MA · Cert 26617
FDIC · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 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.
Avon, MA · Cert 26617
FDIC · 1 branch
Q3 2017
Market Position · Boston-Cambridge-Newton, MA-NH · 2017 SOD (annual) · 0.0% share · #104 of 131 inst. · $0.1B of $302.7B
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.22%1 | 0.26% | 0.21% | 0.24% | 0.12% | 0.05% | 0.02% | -19 bps | |
| Return on Equity | 3.21% | 2.26% | 2.63% | 2.05% | 2.38% | 1.18% | 0.48% | 0.20% | -185 bps | |
| Net Interest Margin | 2.36% | 2.33% | 2.35% | 2.35% | 2.38% | 2.22% | 2.22% | 2.27% | -8 bps | |
| Efficiency Ratio | 89.61% | 99.82% | 98.48% | 99.15% | 97.30% | 98.47% | 102.56% | 105.11% | +596 bps | |
| Non-Interest Burden | 2.10% | 2.32% | 2.31% | 2.33% | 2.31% | 2.19% | 2.29% | 2.40% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.04% | -0.52% | -2.78% | -3.40% | -6.93% | -2.56% | -3.45% | -4.34% | -94 bps | |
| Loan Growth (YoY) | 19.30% | 1.76% | -4.85% | -7.77% | -11.24% | -8.05% | -7.02% | -6.44% | +133 bps | |
| Deposit Growth (YoY) | 11.63% | 2.84% | -0.89% | -1.15% | -2.83% | -2.78% | -2.39% | -4.07% | -292 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.36% | 0.38% | 0.34% | 0.35% | 0.35% | 0.36% | 0.36% | 0.37% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.62% | 9.71% | 10.10% | 10.40% | 10.47% | 10.54% | 10.55% | 10.81% | +41 bps | |
| Total Risk-Based Capital | 19.43% | 20.46% | 20.90% | 21.80% | 22.37% | 21.28% | 21.71% | 22.08% | +28 bps | |
| Equity / Assets | 9.72% | 9.91% | 10.37% | 10.45% | 10.37% | 10.15% | 10.64% | 10.86% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.21% | 90.37% | 90.19% | 87.77% | 87.88% | 85.47% | 85.91% | 85.60% | -217 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |