Barre, MA · Cert 90148
FDIC · 3 branches
Q1 2016
Market Position · Worcester, MA-CT · 2015 SOD (annual) · 0.7% share · #33 of 43 inst. · $0.1B of $16.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.37% | 0.63%1 | 0.39%1 | 0.34% | 0.26% | 0.87% | -8.12% | -851 bps | |
| Return on Equity | 5.35% | 3.90% | 6.53% | 4.01% | 3.45% | 2.64% | 8.76% | -89.47% | -9,348 bps | |
| Net Interest Margin | 3.00% | 3.05% | 3.10% | 3.04% | 3.07% | 3.17% | 3.18% | 3.19% | +15 bps | |
| Efficiency Ratio | 81.41% | 87.97% | 97.42% | 89.77% | 88.07% | 89.51% | 77.75% | 400% | +31,054 bps | |
| Non-Interest Burden | 2.36% | 2.63% | 3.01% | 2.68% | 2.65% | 2.79% | 2.32% | 13.70% | +1,102 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.65% | 1.26% | 0.00% | -2.28% | -0.57% | -0.26% | -1.42% | 1.21% | +349 bps | |
| Loan Growth (YoY) | 3.77% | -0.30% | -1.02% | -3.40% | -0.13% | 0.52% | -0.63% | -1.57% | +183 bps | |
| Deposit Growth (YoY) | 4.99% | 2.90% | 3.60% | 2.45% | 1.66% | 7.36% | 3.74% | 5.98% | +353 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 | 2.44% | 1.04% | 0.44% | -0.27% | -0.01% | -0.02% | 0.52% | 0.00% | +27 bps | |
| Allowance / Loans | 1.63% | 1.40% | 1.25% | 1.27% | 1.30% | 1.34% | 1.21% | 1.22% | -5 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 | 9.46% | 9.26% | 9.52% | 9.78% | 7.49% | -197 bps | |
| Total Risk-Based Capital | 14.52% | 14.62% | 14.86% | 14.81% | 14.85% | 15.01% | 15.23% | 11.96% | -285 bps | |
| Equity / Assets | 9.40% | 9.48% | 9.67% | 9.80% | 9.67% | 9.75% | 10.14% | 8.03% | -176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.76% | 101.17% | 102.17% | 99.85% | 98.00% | 94.72% | 97.86% | 92.74% | -711 bps | |
| Liquid Assets / Assets | 1.33% | 1.91% | 1.01% | 1.48% | 2.83% | 3.82% | 2.69% | 5.23% | +375 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |