Springfield, MA · Cert 90283
FDIC · 10 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Springfield, MA · Cert 90283
FDIC · 10 branches
Q1 2015
Market Position · Springfield, MA · 2014 SOD (annual) · 3.9% share · #10 of 22 inst. · $0.5B of $12.7B
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.62% | 0.67% | 0.68% | 0.69% | 0.67% | +5 bps | |
| Return on Equity | 5.58% | 6.12% | 6.24% | 6.26% | 6.04% | +46 bps | |
| Net Interest Margin | 2.88% | 2.88% | 2.91% | 2.89% | 2.94% | +6 bps | |
| Efficiency Ratio | 67.98% | 66.25% | 66.36% | 67.65% | 66.21% | -176 bps | |
| Non-Interest Burden | 1.83% | 1.75% | 1.77% | 1.80% | 1.80% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.03% | 7.56% | 1.52% | 2.55% | -0.65% | -867 bps | |
| Loan Growth (YoY) | 13.41% | 12.38% | 5.28% | 2.78% | 1.14% | -1,227 bps | |
| Deposit Growth (YoY) | 5.20% | 4.51% | 1.50% | 2.71% | -0.79% | -599 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.05% | 0.04% | 0.03% | 0.02% | 0 bps | |
| Allowance / Loans | 1.11% | 1.10% | 1.12% | 1.12% | 1.13% | +2 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 | 11.39% | n/a | n/a |
| Total Risk-Based Capital | 16.57% | 15.71% | 16.02% | 16.19% | 14.61% | -196 bps | |
| Equity / Assets | 11.07% | 10.78% | 10.87% | 11.03% | 11.31% | +23 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.94% | 103.12% | 103.86% | 105.04% | 101.88% | +194 bps | |
| Liquid Assets / Assets | 3.20% | 1.82% | 2.74% | 3.30% | 5.02% | +182 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |