Boston, MA · Charter 67994
Q1 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.54% | 0.55% | 0.40% | 0.45% | 0.48% | 0.43% | 0.40% | 0 bps | |
| Return on Equity | 5.16% | 5.30% | 5.10% | 3.84% | 4.25% | 4.65% | 4.24% | 3.89% | +5 bps | |
| Net Interest Margin | 1.92% | 1.84% | 1.89% | 1.80% | 1.83% | 1.78% | 1.78% | 1.87% | +7 bps | |
| Efficiency Ratio | 69.15% | 67.60% | 69.41% | 73.83% | 71.84% | 69.76% | 72.07% | 75.17% | +134 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.69% | 5.88% | 3.70% | 5.50% | 2.18% | 3.75% | 8.99% | 6.48% | +98 bps | |
| Loan Growth (YoY) | 10.44% | 9.79% | 4.73% | 8.11% | 2.68% | 3.10% | 4.80% | 1.82% | -629 bps | |
| Share Growth (YoY) | -4.07% | 3.39% | 4.51% | 6.40% | 5.20% | 3.43% | 3.85% | 2.33% | -407 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 0.01% | 0.00% | 0.00% | 0.37% | 0.37% | 0.63% | 1.10% | +109 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.79% | 0.83% | 0.84% | 0.87% | 0.88% | 0.91% | 0.94% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.27% | 10.14% | 10.70% | 10.47% | 10.55% | 10.25% | 10.25% | 10.27% | -20 bps | |
| Net Worth / Assets | 10.27% | 10.14% | 10.70% | 10.47% | 10.55% | 10.25% | 10.25% | 10.27% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.59% | 69.22% | 69.26% | 68.97% | 68.89% | 69.00% | 69.90% | 68.63% | -34 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |