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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.63% | 0.71% | 0.67% | 0.76% | 0.79% | 0.62% | -0.18% | -85 bps | |
| Return on Equity | 5.72% | 6.51% | 7.45% | 6.92% | 7.73% | 7.69% | 5.59% | -1.63% | -855 bps | |
| Net Interest Margin | 3.22% | 3.15% | 3.22% | 3.17% | 3.34% | 3.45% | 3.59% | 3.65% | +48 bps | |
| Efficiency Ratio | 69.31% | 66.10% | 64.10% | 65.08% | 62.70% | 60.64% | 68.63% | 74.23% | +915 bps | |
| Non-Interest Burden | 2.19% | 2.04% | 2.01% | 2.02% | 2.05% | 2.05% | 2.42% | 2.69% | +67 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 |