Rockport, MA · Cert 90273
FDIC · 1 branch
Q4 2014
Market Position · Boston-Cambridge-Newton, MA-NH · 2014 SOD (annual) · 0.0% share · #118 of 145 inst. · $0.1B of $305.8B
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03%1 | -0.40% | -0.37% | -0.82% | -1.01% | -104 bps | |
| Return on Equity | 0.21% | -2.86% | -2.60% | -5.80% | -7.20% | -741 bps | |
| Net Interest Margin | 2.29% | 2.20% | 1.89% | 1.94% | 2.04% | -25 bps | |
| Efficiency Ratio | 116.38% | 128.94% | 141.22% | 136.11% | 165.75% | +4,937 bps | |
| Non-Interest Burden | 2.75% | 2.91% | 2.82% | 2.78% | 3.62% | +88 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.30% | -0.44% | -3.60% | -2.80% | -5.37% | -7 bps | |
| Loan Growth (YoY) | 0.46% | 0.69% | -13.51% | -20.53% | -23.61% | -2,407 bps | |
| Deposit Growth (YoY) | -8.74% | -2.35% | -0.93% | 1.27% | 4.08% | +1,281 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.48% | 1.49% | 1.61% | 1.85% | 1.94% | +46 bps | |
| Allowance Coverage of NPLs | 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 | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 21.55% | 21.22% | 22.39% | 24.23% | 25.90% | +435 bps | |
| Equity / Assets | 14.30% | 13.95% | 14.00% | 14.10% | 13.50% | -79 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.65% | 72.73% | 66.65% | 59.72% | 55.53% | -2,012 bps | |
| Liquid Assets / Assets | 0.04% | 3.48% | 6.03% | 16.76% | 23.36% | +2,332 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |