Dorchester, MA · Cert 26715
FDIC · 2 branches
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.
Dorchester, MA · Cert 26715
FDIC · 2 branches
Q3 2017
Market Position · Boston-Cambridge-Newton, MA-NH · 2017 SOD (annual) · 0.0% share · #97 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 | 0.30% | 0.18% | 0.37% | 0.26% | 0.16% | -0.05% | -0.05% | -0.05% | -31 bps | |
| Return on Equity | 3.96% | 2.28% | 4.76% | 3.30% | 2.01% | -0.58% | -0.58% | -0.62% | -392 bps | |
| Net Interest Margin | 2.78% | 2.74% | 2.75% | 2.69% | 2.69% | 2.61% | 2.63% | 2.73% | +4 bps | |
| Efficiency Ratio | 88.14% | 95.31% | 88.23% | 91.84% | 94.26% | 103.42% | 102.55% | 102.83% | +1,099 bps | |
| Non-Interest Burden | 2.25% | 2.55% | 2.19% | 2.32% | 2.43% | 2.74% | 2.73% | 2.84% | +53 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.96% | 8.23% | 3.97% | -0.03% | -2.07% | -4.86% | -3.42% | -4.82% | -479 bps | |
| Loan Growth (YoY) | 7.65% | 3.31% | -4.09% | -2.80% | -10.33% | -11.19% | -6.96% | -13.98% | -1,118 bps | |
| Deposit Growth (YoY) | 16.67% | 11.48% | 4.21% | 0.13% | -2.14% | -5.17% | -3.20% | -4.84% | -497 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.52% | 0.49% | 0.71% | +71 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.03% | 0.02% | 0.01% | 0.01% | 0.00% | 0.01% | 0.01% | -1 bps | |
| Allowance / Loans | 0.61% | 0.59% | 0.60% | 0.57% | 0.60% | 0.61% | 0.61% | 0.63% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 1.2x | 1.3x | 0.9x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.68% | 7.59% | 7.84% | 7.93% | 8.10% | 8.24% | 8.24% | 8.50% | +57 bps | |
| Total Risk-Based Capital | 13.34% | 14.14% | 15.24% | 14.41% | 15.66% | 16.65% | 16.16% | 16.97% | +256 bps | |
| Equity / Assets | 7.65% | 7.72% | 8.11% | 8.22% | 7.98% | 8.16% | 8.33% | 8.55% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.43% | 86.08% | 85.26% | 89.97% | 82.86% | 80.62% | 81.96% | 81.33% | -864 bps | |
| Liquid Assets / Assets | 4.68% | 9.68% | 12.22% | 9.11% | 14.80% | 15.93% | 14.32% | 14.87% | +577 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |