Nantucket, MA · Cert 22055
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.42% | -0.86% | 2.51% | 1.39% | 1.53% | 1.45% | 1.54% | -97 bps | |
| Return on Equity | 8.19% | 9.11% | -5.62% | 16.56% | 9.09% | 9.86% | 9.53% | 11.17% | -539 bps | |
| Net Interest Margin | 3.88% | 3.72% | 3.77% | 3.77% | 3.70% | 3.67% | 3.74% | 3.80% | +4 bps | |
| Efficiency Ratio | 52.14% | 46.18% | 51.75% | 37.84% | 42.58% | 42.61% | 41.59% | 40.50% | +265 bps | |
| Non-Interest Burden | 1.73% | 1.45% | 1.75% | 1.07% | 1.28% | 1.28% | 1.28% | 1.26% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.90% | 13.73% | 9.62% | 8.93% | 7.45% | 6.38% | 8.28% | 19.10% | +1,016 bps | |
| Loan Growth (YoY) | 3.81% | 9.65% | 9.82% | 15.38% | 15.91% | 11.25% | 11.63% | 17.23% | +185 bps | |
| Deposit Growth (YoY) | 7.42% | 8.99% | 5.41% | 6.57% | 15.12% | 14.70% | 13.24% | 29.03% | +2,246 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% | -0.20% | 0.00% | 0.00% | 0.01% | 0.01% | 0.04% | -0.08% | -8 bps | |
| Allowance / Loans | 1.51% | 1.48% | 1.42% | 1.41% | 1.40% | 1.38% | 1.30% | 1.23% | -18 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 | 14.43% | 14.12% | 12.94% | 13.48% | 13.88% | 14.37% | 12.62% | 12.51% | -97 bps | |
| Equity / Assets | 15.44% | 15.77% | 14.98% | 15.35% | 15.24% | 15.82% | 14.55% | 13.15% | -221 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.75% | 131.02% | 140.14% | 135.25% | 113.52% | 127.08% | 138.15% | 122.87% | -1,237 bps | |
| Liquid Assets / Assets | 1.37% | 1.26% | 1.20% | 1.05% | 0.90% | 1.17% | 0.86% | 0.74% | -31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |