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Cambridge Appleton Trust, N.A.

Cambridge, MA · Cert 35199

FDIC

Q4 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cambridge Appleton Trust, N.A.

Cambridge, MA · Cert 35199

FDIC

Q4 2017

$200KAssets
n/aLoans
n/aDeposits
$100KEquity

NIM

0.10%Q4 ’150.09%Q4 ’160.18%Q4 ’17-10%+100%

Non-interest income vs. expense

56.03%Q4 ’1533.36%Q4 ’164.31%Q4 ’17+48%+103%

Executive Summary

  • Earnings: ROA of -0.02%, down 643 bps year over year; NIM at 0.18%.
  • Capital: tier 1 leverage ratio of 2.55%, down 5,127 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

-0.02%-643 bps YoY

Net Interest Margin (YTD, annualized)

0.18%+9 bps YoY

Efficiency Ratio (YTD, annualized)

101.20%+2,197 bps YoY

Tier 1 Leverage Ratio

2.55%-5,127 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets6.40%2.75%0.38%-0.16%-0.02%-643 bps
Return on Equity10.32%3.67%0.47%-0.19%-0.03%-1,035 bps
Net Interest Margin0.09%0.00%0.18%0.12%0.18%+9 bps
Efficiency Ratio79.22%57.14%89.87%106.33%101.20%+2,197 bps
Non-Interest Burden-8.66%-4.73%-0.53%0.42%0.23%+889 bps
Growth
Asset Growth (YoY)15.62%-9.83%-37.96%-39.04%-96.84%-11,246 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio53.82%76.33%92.68%95.12%2.55%-5,127 bps
Total Risk-Based Capital299%363%399%403%250%-4,929 bps
Equity / Assets66.87%84.81%95.45%96.28%50.00%-1,687 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a