Springfield, MA · Cert 58621
FDIC · 1 branch
Q3 2015
Market Position · Springfield, MA · 2015 SOD (annual) · 1.1% share · #15 of 20 inst. · $0.1B of $13.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.19% | 0.21% | 0.24% | 0.48% | 0.28% | -0.27% | 0.23% | 0 bps | |
| Return on Equity | 2.22% | 1.83% | 2.08% | 2.44% | 4.93% | 2.86% | -2.80% | 2.48% | +4 bps | |
| Net Interest Margin | 3.25% | 3.47% | 3.48% | 3.36% | 3.46% | 3.38% | 3.39% | 3.38% | +1 bps | |
| Efficiency Ratio | 79.14% | 76.62% | 75.46% | 71.94% | 69.94% | 84.15% | 89.33% | 77.76% | +582 bps | |
| Non-Interest Burden | 2.52% | 2.60% | 2.57% | 2.36% | 2.35% | 2.75% | 2.96% | 2.55% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.94% | 23.46% | 22.30% | 16.15% | 13.53% | 8.94% | 7.19% | 4.87% | -1,129 bps | |
| Loan Growth (YoY) | 22.26% | 23.91% | 22.82% | 19.39% | 16.87% | 12.07% | 13.22% | 10.34% | -905 bps | |
| Deposit Growth (YoY) | 16.16% | 20.49% | 27.33% | 19.67% | 15.24% | 9.74% | 6.70% | 4.22% | -1,544 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 | 0.13% | 0.01% | 0.81% | 0.59% | 0.04% | 0.00% | 0.00% | 0.05% | -54 bps | |
| Allowance / Loans | 1.25% | 1.31% | 1.24% | 1.24% | 1.24% | 1.25% | 1.33% | 1.38% | +14 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 | n/a | n/a | n/a | n/a | 8.71% | 8.81% | 9.09% | n/a | |
| Total Risk-Based Capital | 11.94% | 11.44% | 11.14% | 10.99% | 11.10% | 11.22% | 11.32% | 11.76% | +77 bps | |
| Equity / Assets | 10.83% | 10.16% | 9.80% | 9.68% | 9.90% | 9.70% | 9.39% | 9.48% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.29% | 100.90% | 97.48% | 98.01% | 103.74% | 103.04% | 103.44% | 103.76% | +575 bps | |
| Liquid Assets / Assets | 0.35% | 4.83% | 4.06% | 4.14% | 3.73% | 3.33% | 3.01% | 2.79% | -135 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |