Somerset, MA · Cert 18085
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.59% | 0.84% | 0.84% | 0.74% | 0.69% | 0.75% | 0.52% | -32 bps | |
| Return on Equity | 9.53% | 6.72% | 9.56% | 9.36% | 8.43% | 8.29% | 8.91% | 5.97% | -339 bps | |
| Net Interest Margin | 3.45% | 3.28% | 3.47% | 3.23% | 3.06% | 3.14% | 3.22% | 3.32% | +10 bps | |
| Efficiency Ratio | 63.50% | 70.81% | 64.34% | 62.44% | 66.51% | 71.52% | 71.34% | 70.67% | +823 bps | |
| Non-Interest Burden | 2.08% | 2.24% | 2.14% | 1.91% | 1.95% | 2.17% | 2.22% | 2.27% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.35% | 4.76% | 4.74% | 3.67% | 4.16% | 3.95% | 0.24% | 0.38% | -329 bps | |
| Loan Growth (YoY) | 9.16% | 8.98% | 7.72% | 3.10% | 3.53% | 0.70% | 4.35% | 8.37% | +527 bps | |
| Deposit Growth (YoY) | 6.03% | 5.84% | 4.11% | 1.44% | 0.97% | -0.64% | -4.97% | -7.25% | -869 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 | 0.00% | 0.01% | -0.01% | -0.01% | 0.00% | 0.02% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.02% | 0.99% | 1.00% | 1.00% | 1.00% | 0.99% | 0.99% | 1.01% | 0 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 | 13.36% | 13.01% | 13.25% | 13.66% | 11.95% | 11.70% | 11.84% | 11.90% | -177 bps | |
| Equity / Assets | 8.88% | 8.64% | 8.86% | 9.11% | 8.41% | 8.15% | 8.66% | 8.84% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.09% | 99.69% | 101.57% | 100.55% | 104.68% | 101.03% | 111.54% | 117.48% | +1,693 bps | |
| Liquid Assets / Assets | 4.99% | 4.66% | 4.39% | 4.21% | 3.85% | 3.61% | 3.54% | 3.38% | -82 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |