Hyannis, MA · Cert 10538
FDIC
Q1 2004
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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35% | 1.23% | 0.99% | -0.40% | 0.45% | 0.53% | 0.49% | 1.05% | +145 bps | |
| Return on Equity | 15.97% | 14.93% | 12.02% | -4.74% | 5.16% | 6.13% | 5.64% | 11.47% | +1,622 bps | |
| Net Interest Margin | 3.65% | 3.39% | 3.14% | 3.13% | 3.27% | 3.14% | 3.13% | 3.27% | +13 bps | |
| Efficiency Ratio | 64.57% | 65.74% | 68.63% | 67.57% | 66.99% | 68.85% | 72.67% | 72.43% | +486 bps | |
| Non-Interest Burden | 1.89% | 1.82% | 1.81% | 1.58% | 1.66% | 1.69% | 1.90% | 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 | -0.03% | -0.03% | -0.02% | -0.11% | -0.08% | -0.07% | -0.04% | -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 |