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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08%1 | 0.04%1 | -0.02% | 0.02%1 | -0.40% | -0.33% | -1.72% | -1.59% | -161 bps | |
| Return on Equity | 0.57% | 0.33% | -0.16% | 0.12% | -2.86% | -2.33% | -12.27% | -11.53% | -1,165 bps | |
| Net Interest Margin | 2.35% | 2.36% | 2.25% | 1.99% | 2.20% | 1.57% | 1.98% | 2.09% | +11 bps | |
| Efficiency Ratio | 110.02% | 111.76% | 123.84% | 121.21% | 128.94% | 156.21% | 126.12% | 258% | +13,649 bps | |
| Non-Interest Burden | 2.63% | 2.69% | 2.83% | 2.56% | 2.91% | 2.71% | 2.59% | 5.79% | +323 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.67% | 0.89% | -4.05% | -5.30% | -0.44% | -3.60% | -2.80% | -5.37% | -7 bps | |
| Loan Growth (YoY) | -2.45% | 3.34% | -2.55% | 0.46% | 0.69% | -13.51% | -20.53% | -23.61% | -2,407 bps | |
| Deposit Growth (YoY) | 0.31% | -1.83% | -7.27% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.50% | 1.39% | 1.47% | 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 | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 23.38% | 20.72% | 21.51% | 21.55% | 21.22% | 22.39% | 24.23% | 25.90% | +435 bps | |
| Equity / Assets | 13.97% | 13.43% | 14.09% | 14.30% | 13.95% | 14.00% | 14.10% | 13.50% | -79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.54% | 76.34% | 76.10% | 75.65% | 72.73% | 66.65% | 59.72% | 55.53% | -2,012 bps | |
| Liquid Assets / Assets | 0.04% | 0.04% | 0.04% | 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 | n/a | n/a | n/a |