Boston, MA · Cert 29656
FDIC · 1 branch
Q2 2016
Market Position · Boston-Cambridge-Newton, MA-NH · 2016 SOD (annual) · 0.0% share · #115 of 138 inst. · $0.0B 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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.24% | 1.86% | 1.87% | 0.09% | -5.24% | -648 bps | |
| Return on Equity | 6.50% | 9.51% | 9.41% | 0.42% | -26.09% | -3,260 bps | |
| Net Interest Margin | 3.03% | 3.17% | 3.38% | 3.03% | 2.98% | -5 bps | |
| Efficiency Ratio | 93.83% | 91.37% | 91.14% | 99.48% | 127.38% | +3,355 bps | |
| Non-Interest Burden | 1.65% | 1.17% | 1.24% | 2.79% | 8.49% | +684 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 23.71% | 9.28% | -1.67% | -18.78% | -6.93% | -3,064 bps | |
| Loan Growth (YoY) | 32.27% | 14.56% | 1.32% | -23.22% | -6.32% | -3,859 bps | |
| Deposit Growth (YoY) | 24.97% | 10.09% | -11.13% | -18.66% | 2.38% | -2,258 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.04% | 0.02% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 0.94% | 1.07% | 1.10% | 1.35% | 0.98% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 17.71% | 18.07% | 19.68% | 19.38% | 15.02% | -269 bps | |
| Total Risk-Based Capital | 32.04% | 34.00% | 39.17% | 39.66% | 28.56% | -348 bps | |
| Equity / Assets | 17.99% | 21.12% | 20.98% | 23.55% | 16.41% | -158 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 147.95% | 151.37% | 145.20% | 107.86% | 135.37% | -1,258 bps | |
| Liquid Assets / Assets | 1.85% | 0.04% | 7.49% | 7.11% | 0.16% | -169 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |