Hyannis, MA · Cert 58270
FDIC · 4 branches
Q3 2016
Market Position · Barnstable Town, MA · 2016 SOD (annual) · 2.6% share · #10 of 11 inst. · $0.2B of $7.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.34% | 0.31% | 0.44% | 0.18% | -17 bps | |
| Return on Equity | 3.40% | 3.43% | 3.08% | 4.30% | 1.74% | -166 bps | |
| Net Interest Margin | 3.32% | 2.97% | 3.08% | 3.19% | 3.24% | -8 bps | |
| Efficiency Ratio | 79.36% | 89.41% | 84.98% | 79.19% | 94.22% | +1,486 bps | |
| Non-Interest Burden | 2.55% | 2.59% | 2.56% | 2.47% | 3.03% | +47 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.29% | 9.76% | 9.24% | 4.60% | -0.81% | -911 bps | |
| Loan Growth (YoY) | 16.16% | 15.05% | 12.44% | 6.67% | 3.08% | -1,308 bps | |
| Deposit Growth (YoY) | 5.78% | 7.25% | 5.71% | -3.43% | -7.17% | -1,295 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.18% | -0.17% | 0.00% | 0.00% | 0.00% | -18 bps | |
| Allowance / Loans | 1.01% | 0.98% | 0.97% | 0.97% | 0.98% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.88% | 9.94% | 10.22% | 10.31% | 10.27% | +39 bps | |
| Total Risk-Based Capital | 12.73% | 12.78% | 12.86% | 12.95% | 13.16% | +43 bps | |
| Equity / Assets | 9.95% | 10.15% | 10.25% | 10.38% | 10.42% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 102.24% | 107.12% | 111.59% | 119.11% | 113.53% | +1,129 bps | |
| Liquid Assets / Assets | 9.91% | 7.09% | 5.28% | 4.03% | 6.52% | -338 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |