Braintree, MA · Charter 12297
Q2 2006
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.10% | 0.08% | 0.08% | 0.10% | -0.58% | 1.26% | 1.26% | +118 bps | |
| Return on Equity | 0.82% | 0.90% | 0.73% | 0.74% | 0.80% | -4.91% | 10.59% | 10.58% | +984 bps | |
| Net Interest Margin | 2.98% | 3.13% | 3.17% | 3.10% | 3.53% | 3.61% | 4.15% | 3.98% | +88 bps | |
| Efficiency Ratio | 97.31% | 97.10% | 97.67% | 97.69% | 97.57% | 106.74% | 73.71% | 72.65% | -2,504 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.91% | -5.55% | -3.90% | -6.25% | -10.53% | -10.12% | -7.24% | -8.49% | -224 bps | |
| Loan Growth (YoY) | 5.32% | 4.23% | 4.59% | 5.14% | 10.07% | 19.83% | 21.42% | 17.55% | +1,241 bps | |
| Share Growth (YoY) | 5.43% | -6.27% | -4.53% | -7.15% | -11.98% | -11.06% | -8.04% | -9.65% | -250 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.14% | 0.13% | 0.00% | 0.04% | 2.25% | 0.99% | 1.58% | +158 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.23% | 0.30% | 0.32% | 0.32% | 0.30% | 0.72% | 0.29% | 0.29% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.79% | 11.19% | 11.26% | 10.88% | 12.16% | 11.87% | 11.87% | 11.92% | +104 bps | |
| Net Worth / Assets | 10.79% | 11.19% | 11.26% | 10.88% | 12.16% | 11.87% | 11.87% | 11.92% | +104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.96% | 60.84% | 59.89% | 58.36% | 73.73% | 81.98% | 79.08% | 75.93% | +1,757 bps | |
| Liquid Assets / Assets | 26.51% | 24.40% | 25.36% | 25.33% | 24.51% | 22.93% | 25.21% | 0.00% | -2,533 bps | |