Georgetown, MA · Cert 90202
FDIC · 4 branches
Q1 2017
Market Position · Boston-Cambridge-Newton, MA-NH · 2016 SOD (annual) · 0.1% share · #78 of 138 inst. · $0.2B 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 | 0.48% | 0.52% | 0.56% | 0.13% | 0.18% | 0.20% | 0.24% | 0.47% | +34 bps | |
| Return on Equity | 4.65% | 5.14% | 5.54% | 1.29% | 1.78% | 2.03% | 2.47% | 4.87% | +358 bps | |
| Net Interest Margin | 3.65% | 3.55% | 3.45% | 3.43% | 3.45% | 3.35% | 3.27% | 3.39% | -4 bps | |
| Efficiency Ratio | 80.35% | 77.36% | 76.21% | 92.25% | 91.33% | 89.74% | 87.62% | 79.95% | -1,230 bps | |
| Non-Interest Burden | 2.87% | 2.65% | 2.54% | 3.14% | 3.12% | 2.97% | 2.83% | 2.66% | -48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.78% | 6.67% | 9.40% | 12.16% | 10.36% | 9.51% | 7.46% | 5.11% | -705 bps | |
| Loan Growth (YoY) | 2.63% | 7.89% | 9.33% | 13.43% | 11.60% | 9.60% | 9.30% | 6.50% | -693 bps | |
| Deposit Growth (YoY) | 7.59% | 5.69% | 13.40% | 23.56% | 19.02% | 23.18% | 15.28% | 1.64% | -2,192 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.33% | +33 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.95% | 0.94% | 0.94% | 0.94% | 0.95% | 0.93% | 0.93% | 0.94% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 2.8x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.45% | 10.21% | 9.97% | 9.79% | 9.95% | 9.82% | 9.70% | 9.66% | -13 bps | |
| Total Risk-Based Capital | 14.74% | 14.22% | 14.31% | 13.88% | 14.07% | 13.61% | 13.51% | 13.75% | -13 bps | |
| Equity / Assets | 10.36% | 10.04% | 9.90% | 9.70% | 10.03% | 9.65% | 9.58% | 9.66% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 118.52% | 126.98% | 121.74% | 110.93% | 111.13% | 112.98% | 115.43% | 116.23% | +530 bps | |
| Liquid Assets / Assets | 1.09% | 1.60% | 2.65% | 2.75% | 1.93% | 2.41% | 1.47% | 2.22% | -53 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |