Newton Center, MA · Cert 58923
FDIC · 2 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Newton Center, MA · Cert 58923
FDIC · 2 branches
Q4 2017
Market Position · Boston-Cambridge-Newton, MA-NH · 2017 SOD (annual) · 0.1% share · #69 of 131 inst. · $0.3B of $302.7B
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.60% | 0.64% | 0.65% | 0.76% | 0.78% | 0.73% | 0.51% | -14 bps | |
| Return on Equity | 5.72% | 6.12% | 6.57% | 6.66% | 7.73% | 7.71% | 7.00% | 4.81% | -185 bps | |
| Net Interest Margin | 3.22% | 3.14% | 3.11% | 3.09% | 3.34% | 3.44% | 3.67% | 3.64% | +55 bps | |
| Efficiency Ratio | 69.31% | 67.71% | 66.46% | 66.11% | 62.70% | 61.67% | 63.95% | 66.50% | +39 bps | |
| Non-Interest Burden | 2.19% | 2.09% | 2.02% | 2.00% | 2.05% | 2.08% | 2.30% | 2.39% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.83% | 20.08% | 18.52% | 8.86% | 5.20% | -4.58% | -10.34% | -5.54% | -1,440 bps | |
| Loan Growth (YoY) | 15.68% | 13.58% | 6.57% | 3.66% | 0.49% | -4.38% | -2.41% | -0.82% | -447 bps | |
| Deposit Growth (YoY) | 26.39% | 22.90% | 20.78% | 9.45% | 5.09% | -6.19% | -11.66% | -5.28% | -1,473 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 | 0.00% | 0.01% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.94% | 0.93% | 0.93% | 0.94% | 0.96% | 0.98% | 0.96% | 0.96% | +2 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 | 9.86% | 9.76% | 9.66% | 9.69% | 10.01% | 10.49% | 11.48% | 11.37% | +167 bps | |
| Total Risk-Based Capital | 15.00% | 14.72% | 15.01% | 14.83% | 14.55% | 15.23% | 14.84% | 14.66% | -17 bps | |
| Equity / Assets | 9.60% | 9.60% | 9.55% | 9.82% | 9.81% | 10.83% | 11.42% | 10.94% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.87% | 90.79% | 88.74% | 90.00% | 85.93% | 92.54% | 98.03% | 94.23% | +424 bps | |
| Liquid Assets / Assets | 20.58% | 19.49% | 20.70% | 20.08% | 23.30% | 18.77% | 13.15% | 15.97% | -411 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |