Boston, MA · Cert 23468
FDIC
Q1 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 11.67% | 10.73% | 49.92% | 48.31% | 76.75% | +6,508 bps | |
| Return on Equity | 30.52% | 27.58% | 113.23% | 105.69% | 123.46% | +9,294 bps | |
| Net Interest Margin | -0.13% | -0.12% | -0.12% | -0.12% | -0.11% | +2 bps | |
| Efficiency Ratio | 93.11% | 93.71% | 67.02% | 69.87% | 68.52% | -2,459 bps | |
| Non-Interest Burden | -12.08% | -10.92% | -50.62% | -45.61% | -76.33% | -6,426 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.60% | 7.83% | 2.49% | -6.17% | -47.37% | -5,297 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | -100.00% | -10,000 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 38.83% | 38.99% | 48.89% | 42.41% | 99.95% | +6,112 bps | |
| Equity / Assets | 38.83% | 38.99% | 48.89% | 41.69% | 97.09% | +5,825 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 2.10% | 3.58% | +358 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |