Ayer, MA · Cert 90147
FDIC · 7 branches
Q1 2017
Market Position · Boston-Cambridge-Newton, MA-NH · 2016 SOD (annual) · 0.1% share · #65 of 138 inst. · $0.3B of $311.2B
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.50% | 0.51% | 0.64% | 0.60% | 0.60% | 0.56% | 1.65%1 | +101 bps | |
| Return on Equity | 4.97% | 5.43% | 5.58% | 7.23% | 6.68% | 6.69% | 6.26% | 18.81% | +1,158 bps | |
| Net Interest Margin | 3.15% | 3.12% | 3.09% | 3.08% | 3.07% | 3.12% | 3.08% | 3.09% | +1 bps | |
| Efficiency Ratio | 81.83% | 80.57% | 79.29% | 79.28% | 79.51% | 80.50% | 81.06% | 100.60% | +2,132 bps | |
| Non-Interest Burden | 2.47% | 2.40% | 2.34% | 2.33% | 2.33% | 2.40% | 2.40% | 3.11% | +78 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.90% | 5.26% | 8.07% | 7.05% | 8.58% | 9.05% | 6.71% | 8.47% | +142 bps | |
| Loan Growth (YoY) | 1.91% | 4.50% | 7.33% | 12.38% | 13.87% | 13.51% | 11.21% | 7.66% | -472 bps | |
| Deposit Growth (YoY) | 5.07% | 5.32% | 7.87% | 4.93% | 8.23% | 8.50% | 5.91% | 8.41% | +348 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.02% | +102 bps | |
| Net Charge-Offs / Loans | 0.30% | 0.21% | 0.16% | 0.04% | 0.05% | 0.03% | 0.00% | 0.12% | +8 bps | |
| Allowance / Loans | 1.14% | 1.12% | 1.10% | 1.07% | 1.07% | 1.06% | 1.07% | 1.04% | -2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 1.0x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.13% | 9.11% | 9.10% | 8.96% | 9.00% | 9.08% | 9.02% | 9.22% | +27 bps | |
| Total Risk-Based Capital | 13.34% | 13.16% | 13.21% | 13.00% | 12.92% | 12.89% | 12.88% | 13.16% | +16 bps | |
| Equity / Assets | 9.16% | 9.17% | 8.75% | 9.01% | 9.11% | 8.95% | 8.66% | 8.93% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.56% | 89.30% | 88.63% | 93.14% | 92.13% | 93.42% | 93.06% | 92.50% | -65 bps | |
| Liquid Assets / Assets | 3.89% | 2.99% | 3.74% | 2.50% | 4.49% | 4.60% | 5.25% | 6.04% | +354 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |