Whitman, MA · Cert 29755
FDIC · 9 branches
Q1 2019
Market Position · Boston-Cambridge-Newton, MA-NH · 2018 SOD (annual) · 0.1% share · #55 of 126 inst. · $0.4B of $348.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.85% | 0.61% | 0.74% | 0.54% | 0.89% | +4 bps | |
| Return on Equity | 9.86% | 6.81% | 8.14% | 5.96% | 9.95% | +9 bps | |
| Net Interest Margin | 3.08% | 3.10% | 3.18% | 3.07% | 3.08% | 0 bps | |
| Efficiency Ratio | 72.71% | 79.86% | 75.79% | 85.09% | 72.14% | -57 bps | |
| Non-Interest Burden | 2.00% | 2.31% | 2.19% | 2.49% | 1.97% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.88% | 1.20% | 1.90% | 1.29% | 4.20% | -268 bps | |
| Loan Growth (YoY) | 7.01% | 1.63% | 0.75% | 1.47% | 5.98% | -103 bps | |
| Deposit Growth (YoY) | 8.48% | 4.20% | 5.37% | 2.28% | 3.89% | -459 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.40% | 0.43% | 0.41% | 0.81% | 0.79% | +39 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.12% | 0.13% | 0.17% | 0.31% | +28 bps | |
| Allowance / Loans | 0.98% | 0.97% | 0.94% | 0.88% | 0.79% | -19 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.3x | 2.3x | 1.1x | 1.0x | -1.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.19% | 9.42% | 9.63% | 9.54% | 9.60% | +41 bps | |
| Total Risk-Based Capital | 14.29% | 14.57% | 14.43% | 14.28% | 14.17% | -12 bps | |
| Equity / Assets | 8.75% | 9.10% | 8.99% | 8.99% | 8.94% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.70% | 93.94% | 92.80% | 95.52% | 92.52% | +183 bps | |
| Liquid Assets / Assets | 2.75% | 0.74% | 3.00% | 1.86% | 2.58% | -17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |