Stoneham, MA · Cert 90286
FDIC
Q3 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.41% | 4.52% | 0.20% | 0.11%1 | -3.37% | 0.07% | 0.30% | 0.53% | +42 bps | |
| Return on Equity | -101.46% | 62.08% | 1.96% | 1.06% | -32.31% | 0.66% | 2.98% | 5.27% | +421 bps | |
| Net Interest Margin | 3.28% | 1.88% | 2.91% | 2.95% | 2.85% | 2.93% | 2.89% | 2.87% | -8 bps | |
| Efficiency Ratio | 173.49% | 72.64% | 85.09% | 91.66% | 1740% | 93.01% | 81.83% | 70.81% | -2,085 bps | |
| Non-Interest Burden | 5.31% | -0.64% | 2.52% | 2.76% | 6.74% | 2.77% | 2.39% | 2.03% | -73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.02% | -6.53% | -4.76% | -3.19% | -0.04% | -4.42% | -4.19% | 0.78% | +397 bps | |
| Loan Growth (YoY) | -15.66% | -19.06% | -17.44% | -16.73% | -2.47% | 3.47% | 1.36% | 0.36% | +1,709 bps | |
| Deposit Growth (YoY) | -13.04% | -11.40% | -7.92% | -4.22% | -5.54% | -1.15% | -1.73% | 3.14% | +736 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 | 7.32% | 0.00% | 0.00% | 0.00% | -0.02% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.79% | 0.03% | 0.07% | 0.12% | 0.15% | 0.17% | 0.19% | 0.20% | +8 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 | 5.57% | 13.72% | 14.48% | 14.86% | 14.09% | 14.23% | 14.53% | 15.29% | +43 bps | |
| Equity / Assets | 4.72% | 9.76% | 10.20% | 10.66% | 10.21% | 10.26% | 10.17% | 10.07% | -59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.37% | 74.27% | 73.10% | 72.44% | 80.91% | 77.75% | 75.40% | 70.49% | -195 bps | |
| Liquid Assets / Assets | 7.84% | 8.48% | 6.03% | 1.75% | 10.61% | 11.81% | 14.04% | 15.63% | +1,389 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |