Chicopee, MA · Cert 90179
FDIC · 9 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Chicopee, MA · Cert 90179
FDIC · 9 branches
Q3 2016
Market Position · Springfield, MA · 2016 SOD (annual) · 4.0% share · #10 of 21 inst. · $0.5B of $13.8B
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.07% | 0.21% | 0.34% | 0.42% | 0.48% | 0.41% | 0.42% | 0.42% | +1 bps | |
| Return on Equity | -0.53% | 1.77% | 2.92% | 3.65% | 4.16% | 3.55% | 3.70% | 3.76% | +11 bps | |
| Net Interest Margin | 3.10% | 3.08% | 3.05% | 3.07% | 3.02% | 3.14% | 3.11% | 3.12% | +4 bps | |
| Efficiency Ratio | 81.91% | 85.31% | 81.83% | 79.71% | 78.24% | 81.46% | 79.13% | 78.15% | -156 bps | |
| Non-Interest Burden | 2.45% | 2.56% | 2.42% | 2.36% | 2.27% | 2.49% | 2.38% | 2.34% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.68% | 10.10% | 10.91% | 11.25% | 6.23% | 4.79% | 4.48% | 4.33% | -693 bps | |
| Loan Growth (YoY) | 7.01% | 10.67% | 11.49% | 13.07% | 11.85% | 8.28% | 5.84% | 5.98% | -709 bps | |
| Deposit Growth (YoY) | 7.95% | 7.42% | 7.72% | 10.27% | 4.20% | 7.33% | 9.59% | 8.75% | -152 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 | 0.94% | 0.10% | 0.05% | 0.04% | 0.04% | -0.01% | 0.02% | 0.04% | 0 bps | |
| Allowance / Loans | 0.94% | 0.95% | 0.94% | 0.95% | 0.96% | 0.96% | 0.95% | 0.93% | -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 | n/a | 11.62% | 11.42% | 11.45% | 11.33% | 11.61% | 11.11% | 11.12% | -33 bps | |
| Total Risk-Based Capital | 15.04% | 14.93% | 14.52% | 14.54% | 14.70% | 14.87% | 14.22% | 14.20% | -34 bps | |
| Equity / Assets | 11.79% | 11.47% | 11.41% | 11.19% | 11.66% | 11.55% | 11.09% | 10.86% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.13% | 110.42% | 115.01% | 111.70% | 115.00% | 111.39% | 111.06% | 108.86% | -285 bps | |
| Liquid Assets / Assets | 11.26% | 10.92% | 7.81% | 8.77% | 6.77% | 7.93% | 7.49% | 8.14% | -64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |