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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.22% | 0.25% | 0.28% | 0.30% | 0.31% | 0.38% | 0.31% | +3 bps | |
| Return on Equity | 2.37% | 2.08% | 2.33% | 2.69% | 2.88% | 3.08% | 3.69% | 3.04% | +35 bps | |
| Net Interest Margin | 3.07% | 3.17% | 3.13% | 3.07% | 3.01% | 3.08% | 3.13% | 3.14% | +8 bps | |
| Efficiency Ratio | 85.86% | 89.39% | 87.69% | 84.71% | 85.94% | 84.98% | 82.07% | 86.23% | +152 bps | |
| Non-Interest Burden | 2.60% | 2.79% | 2.69% | 2.54% | 2.52% | 2.56% | 2.51% | 2.66% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.58% | 5.16% | 5.22% | 8.29% | 9.76% | 9.24% | 4.60% | -0.81% | -911 bps | |
| Loan Growth (YoY) | 10.44% | 11.42% | 13.90% | 16.16% | 15.05% | 12.44% | 6.67% | 3.08% | -1,308 bps | |
| Deposit Growth (YoY) | 10.62% | 7.05% | 4.06% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.00% | 0.06% | 0.00% | 0.00% | 0.00% | 0.00% | -6 bps | |
| Allowance / Loans | 1.07% | 1.04% | 1.00% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | 10.68% | 10.36% | 9.88% | 9.94% | 10.22% | 10.31% | 10.27% | +39 bps | |
| Total Risk-Based Capital | 12.65% | 12.33% | 12.52% | 12.73% | 12.78% | 12.86% | 12.95% | 13.16% | +43 bps | |
| Equity / Assets | 10.71% | 10.77% | 10.40% | 9.95% | 10.15% | 10.25% | 10.38% | 10.42% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.86% | 104.91% | 107.84% | 102.24% | 107.12% | 111.59% | 119.11% | 113.53% | +1,129 bps | |
| Liquid Assets / Assets | 6.63% | 7.08% | 5.87% | 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 | n/a | n/a | n/a |