Hyannis, MA · Cert 10538
FDIC
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.03% | 0.26% | -0.40% | 1.37% | 0.72% | 0.36% | 1.05% | +145 bps | |
| Return on Equity | 14.92% | 12.72% | 3.30% | -4.74% | 15.36% | 8.12% | 4.19% | 11.47% | +1,622 bps | |
| Net Interest Margin | 3.80% | 3.42% | 2.68% | 3.13% | 3.24% | 2.98% | 3.06% | 3.27% | +13 bps | |
| Efficiency Ratio | 65.86% | 68.05% | 79.02% | 67.57% | 66.38% | 72.89% | 85.31% | 72.43% | +486 bps | |
| Non-Interest Burden | 2.02% | 1.96% | 1.95% | 1.58% | 1.65% | 1.81% | 2.50% | 1.96% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.06% | 8.89% | 1.98% | -6.05% | -11.66% | -16.53% | -9.73% | -3.60% | +246 bps | |
| Loan Growth (YoY) | -2.39% | 0.90% | -6.04% | -11.83% | -12.44% | -11.93% | -4.48% | 6.38% | +1,821 bps | |
| Deposit Growth (YoY) | -0.35% | 3.25% | 4.26% | 4.15% | 5.65% | 5.96% | 6.66% | 1.18% | -297 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 | -0.02% | -0.02% | 0.02% | -0.11% | -0.04% | -0.05% | 0.03% | -0.01% | +10 bps | |
| Allowance / Loans | 1.38% | 1.40% | 1.48% | 1.61% | 1.61% | 1.64% | 1.59% | 1.53% | -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 | 13.41% | 12.11% | 12.94% | 12.48% | 12.90% | 12.62% | 13.11% | 12.53% | +6 bps | |
| Equity / Assets | 8.67% | 7.62% | 8.28% | 8.71% | 9.13% | 8.58% | 8.85% | 9.44% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.18% | 90.91% | 88.90% | 82.65% | 80.54% | 75.57% | 79.61% | 86.89% | +425 bps | |
| Liquid Assets / Assets | 0.05% | 0.04% | 0.05% | 0.06% | 0.07% | 3.87% | 4.10% | 3.97% | +391 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |