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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 2.56% | 1.56% | 0.95% | 3.03% | 1.93% | 0.09% | -10.81% | -1,176 bps | |
| Return on Equity | 0.99% | 12.20% | 7.91% | 5.09% | 15.57% | 9.16% | 0.42% | -55.12% | -6,021 bps | |
| Net Interest Margin | 3.05% | 3.12% | 3.04% | 3.14% | 3.44% | 3.40% | 3.03% | 3.02% | -12 bps | |
| Efficiency Ratio | 98.92% | 88.09% | 92.61% | 95.09% | 87.10% | 90.38% | 99.48% | 150.09% | +5,500 bps | |
| Non-Interest Burden | 2.82% | 0.42% | 1.31% | 2.05% | 0.23% | 1.23% | 2.79% | 14.28% | +1,224 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.48% | 3.11% | 21.98% | 23.71% | 9.28% | -1.67% | -18.78% | -6.93% | -3,064 bps | |
| Loan Growth (YoY) | 0.67% | 10.20% | 37.64% | 32.27% | 14.56% | 1.32% | -23.22% | -6.32% | -3,859 bps | |
| Deposit Growth (YoY) | -12.65% | 7.52% | 35.33% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.19% | -0.01% | -0.01% | -0.09% | 0.19% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 1.24% | 1.13% | 1.05% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | 18.73% | 17.71% | 18.07% | 19.68% | 19.38% | 15.02% | -269 bps | |
| Total Risk-Based Capital | 37.54% | 36.12% | 35.28% | 32.04% | 34.00% | 39.17% | 39.66% | 28.56% | -348 bps | |
| Equity / Assets | 22.16% | 19.96% | 19.42% | 17.99% | 21.12% | 20.98% | 23.55% | 16.41% | -158 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 145.46% | 127.36% | 114.28% | 147.95% | 151.37% | 145.20% | 107.86% | 135.37% | -1,258 bps | |
| Liquid Assets / Assets | 0.06% | 9.78% | 3.19% | 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 | n/a | n/a | n/a |