Boston, MA · Cert 90160
FDIC · 11 branches
Q1 2019
Market Position · Boston-Cambridge-Newton, MA-NH · 2018 SOD (annual) · 0.5% share · #21 of 126 inst. · $1.8B of $348.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.66% | 0.30% | 1.03% | 1.01% | 1.07% | 1.08% | -0.43% | -146 bps | |
| Return on Equity | 5.30% | 5.14% | 2.37% | 8.28% | 8.04% | 8.46% | 8.55% | -3.20% | -1,148 bps | |
| Net Interest Margin | 2.61% | 2.70% | 2.73% | 2.78% | 2.87% | 2.84% | 2.89% | 2.86% | +8 bps | |
| Efficiency Ratio | 62.99% | 64.03% | 65.37% | 59.09% | 58.74% | 56.61% | 57.41% | 187.39% | +12,830 bps | |
| Non-Interest Burden | 1.46% | 1.59% | 1.65% | 1.42% | 1.51% | 1.37% | 1.52% | 4.34% | +293 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.20% | 10.05% | 8.10% | 6.96% | 9.16% | 9.39% | 5.19% | -6.54% | -1,350 bps | |
| Loan Growth (YoY) | 22.55% | 19.20% | 14.55% | 11.11% | 9.59% | 10.10% | 5.59% | -4.99% | -1,610 bps | |
| Deposit Growth (YoY) | 20.24% | 16.25% | 11.11% | 9.75% | 5.84% | 7.14% | 3.47% | -8.23% | -1,798 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.61% | 0.54% | 0.52% | 0.44% | 0.45% | 0.51% | 0.45% | 0.50% | +6 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.02% | 0.01% | 0.04% | 0.03% | 0.00% | 0.00% | 0.00% | -4 bps | |
| Allowance / Loans | 0.96% | 0.96% | 0.94% | 0.91% | 0.89% | 0.86% | 0.83% | 0.83% | -9 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.8x | 1.8x | 2.1x | 2.0x | 1.7x | 1.8x | 1.7x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.40% | 12.64% | 12.30% | 12.46% | 12.76% | 12.62% | 12.47% | 12.54% | +9 bps | |
| Total Risk-Based Capital | 17.28% | 17.00% | 16.40% | 16.65% | 16.24% | 16.08% | 15.87% | 16.75% | +11 bps | |
| Equity / Assets | 12.74% | 12.79% | 12.29% | 12.59% | 12.55% | 12.68% | 12.49% | 14.21% | +162 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.27% | 102.69% | 105.95% | 104.40% | 105.91% | 105.52% | 108.12% | 108.08% | +369 bps | |
| Liquid Assets / Assets | 12.46% | 12.58% | 12.40% | 12.26% | 12.10% | 12.00% | 11.85% | 9.27% | -299 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |