PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cambridge Appleton Trust, N.A.

Cambridge, MA · Cert 35199

FDIC

Q4 2017

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

Executive Summary

  • Earnings: ROA of 0.87%, down 1,843 bps year over year; NIM at 0.31%.
  • Capital: tier 1 leverage ratio of 2.55%, down 5,127 bps from a year ago.

Return on Assets (quarter, annualized)

0.87%-1,843 bps YoY

Net Interest Margin (quarter, annualized)

0.31%+10 bps YoY

Efficiency Ratio (quarter, annualized)

11.11%+3,758 bps YoY

Tier 1 Leverage Ratio

2.55%-5,127 bps YoY

NIM

0.20%Q4 ’150.20%Q4 ’160.31%Q4 ’17+2%+50%

Non-interest income vs. expense

57.41%Q4 ’15-5.97%Q4 ’160.10%Q4 ’17-73%+98%

Discrete quarter, annualized.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets2.17%2.14%0.89%19.30%2.75%-2.45%-1.45%0.87%-1,843 bps
Return on Equity3.13%3.52%1.64%32.09%3.67%-2.73%-1.51%0.93%-3,117 bps
Net Interest Margin0.00%0.16%0.00%0.20%0.00%0.35%0.00%0.31%+10 bps
Efficiency Ratio95.76%95.45%95.45%-26.47%57.14%1350%106.33%11.11%+3,758 bps
Non-Interest Burden-2.81%-3.08%-1.39%-28.31%-4.73%4.73%2.35%-0.51%+2,780 bps
Growth
Asset Growth (YoY)5.71%25.96%36.69%15.62%-9.83%-37.96%-39.04%-96.84%-11,246 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio62.84%53.32%54.29%53.82%76.33%92.68%95.12%2.55%-5,127 bps
Total Risk-Based Capital293%235%222%299%363%399%403%250%-4,929 bps
Equity / Assets69.03%54.27%54.24%66.87%84.81%95.45%96.28%50.00%-1,687 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a