Boston, MA · Charter 22079
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.43% | 0.46% | 0.67% | 0.69% | 0.93% | 1.00% | 0.43% | -24 bps | |
| Return on Equity | 4.41% | 2.44% | 2.61% | 3.58% | 3.63% | 4.64% | 4.93% | 2.36% | -121 bps | |
| Net Interest Margin | 2.70% | 2.67% | 2.70% | 2.92% | 3.15% | 3.28% | 3.31% | 2.93% | +1 bps | |
| Efficiency Ratio | 71.62% | 84.17% | 83.43% | 77.68% | 78.32% | 72.07% | 70.07% | 85.53% | +784 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.24% | 17.93% | 5.79% | -4.13% | -5.29% | -6.86% | -7.36% | 6.04% | +1,018 bps | |
| Loan Growth (YoY) | 0.65% | -3.10% | 14.44% | 17.02% | 31.01% | 38.86% | 4.17% | 2.59% | -1,443 bps | |
| Share Growth (YoY) | 27.49% | 21.92% | 4.74% | -5.57% | -6.82% | -9.03% | -8.29% | 6.45% | +1,202 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.58% | 1.59% | 1.14% | 0.04% | 0.10% | 0.06% | 0.24% | 5.10% | +506 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 | 2.69% | 2.74% | 2.08% | 0.98% | 0.96% | 0.97% | 0.98% | 1.04% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.46% | 17.71% | 17.77% | 18.69% | 19.08% | 19.94% | 20.25% | 18.06% | -64 bps | |
| Net Worth / Assets | 17.46% | 17.71% | 17.77% | 18.69% | 19.08% | 19.94% | 20.25% | 18.06% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.61% | 51.48% | 68.67% | 67.44% | 72.56% | 78.58% | 78.00% | 64.99% | -245 bps | |
| Liquid Assets / Assets | 34.88% | 29.90% | 21.67% | 30.77% | 30.03% | 32.47% | 36.21% | 44.08% | +1,331 bps | |