Cambridge, MA · Cert 35199
FDIC
Q4 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 19.30% | 2.75% | -2.45% | -1.45% | 0.87% | -1,843 bps | |
| Return on Equity | 32.09% | 3.67% | -2.73% | -1.51% | 0.93% | -3,117 bps | |
| Net Interest Margin | 0.20% | 0.00% | 0.35% | 0.00% | 0.31% | +10 bps | |
| Efficiency Ratio | -26.47% | 57.14% | 1350% | 106.33% | 11.11% | +3,758 bps | |
| Non-Interest Burden | -28.31% | -4.73% | 4.73% | 2.35% | -0.51% | +2,780 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.62% | -9.83% | -37.96% | -39.04% | -96.84% | -11,246 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 53.82% | 76.33% | 92.68% | 95.12% | 2.55% | -5,127 bps | |
| Total Risk-Based Capital | 299% | 363% | 399% | 403% | 250% | -4,929 bps | |
| Equity / Assets | 66.87% | 84.81% | 95.45% | 96.28% | 50.00% | -1,687 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |