Boston, MA · Cert 20072
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Boston, MA · Cert 20072
FDIC
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.34% | 1.24% | 1.35% | 1.32% | 1.31% | 1.28% | 1.30% | -6 bps | |
| Return on Equity | 21.61% | 21.36% | 19.02% | 20.29% | 19.00% | 18.21% | 17.34% | 19.00% | -129 bps | |
| Net Interest Margin | 1.42% | 1.41% | 1.47% | 1.39% | 1.41% | 1.43% | 1.57% | 1.51% | +13 bps | |
| Efficiency Ratio | 66.78% | 66.83% | 69.94% | 71.07% | 71.16% | 71.88% | 71.96% | 70.02% | -105 bps | |
| Non-Interest Burden | -0.38% | -0.43% | -0.45% | -0.53% | -0.53% | -0.48% | -0.37% | -0.53% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.51% | 8.37% | 4.55% | -0.26% | -12.58% | -4.60% | 14.17% | 37.66% | +3,792 bps | |
| Loan Growth (YoY) | 60.95% | 198.95% | 15.86% | 59.96% | -16.63% | -32.72% | -15.90% | 74.09% | +1,413 bps | |
| Deposit Growth (YoY) | 47.41% | -7.49% | 11.57% | 16.33% | 0.33% | 23.51% | 57.04% | 92.39% | +7,606 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 15.95% | 18.18% | 18.37% | 18.41% | 20.06% | 18.28% | 16.63% | 14.11% | -430 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 5.52% | 8.04% | 5.65% | 5.64% | 4.58% | 4.38% | 3.03% | 5.10% | -54 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |