West Springfield, MA · Cert 18532
FDIC
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.80% | 0.78% | 0.76% | 0.55% | 0.47% | 0.38% | -0.79% | -155 bps | |
| Return on Equity | 10.16% | 9.61% | 9.36% | 9.32% | 7.15% | 6.17% | 4.97% | -10.37% | -1,969 bps | |
| Net Interest Margin | 3.12% | 3.15% | 3.15% | 2.99% | 2.80% | 2.66% | 2.61% | 2.50% | -49 bps | |
| Efficiency Ratio | 69.02% | 68.96% | 69.30% | 69.03% | 75.02% | 78.12% | 81.72% | 104.71% | +3,568 bps | |
| Non-Interest Burden | 1.97% | 2.01% | 2.02% | 1.92% | 1.99% | 1.99% | 2.05% | 2.63% | +72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.23% | 0.51% | 3.01% | 6.92% | 7.94% | 6.82% | 7.07% | -11.51% | -1,843 bps | |
| Loan Growth (YoY) | 4.51% | 5.99% | 0.33% | -1.56% | -0.60% | -1.06% | 4.11% | 4.05% | +561 bps | |
| Deposit Growth (YoY) | 2.13% | 2.19% | -0.78% | 1.57% | 0.08% | 1.60% | 2.63% | 4.93% | +337 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 | 0.01% | 0.01% | 0.02% | 0.03% | 0.02% | 0.03% | 0.07% | 0.08% | +4 bps | |
| Allowance / Loans | 1.01% | 0.98% | 0.98% | 0.97% | 0.94% | 0.92% | 0.88% | 0.90% | -7 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 | 12.89% | 12.67% | 12.68% | 12.54% | 12.57% | 12.50% | 12.51% | 11.02% | -152 bps | |
| Equity / Assets | 8.28% | 8.37% | 8.22% | 7.82% | 7.60% | 7.51% | 7.64% | 7.49% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.21% | 75.92% | 73.86% | 72.11% | 75.69% | 73.93% | 74.93% | 71.51% | -61 bps | |
| Liquid Assets / Assets | 15.26% | 15.04% | 16.73% | 18.75% | 18.80% | 18.51% | 18.15% | 2.34% | -1,642 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |