Boston, MA · Charter 23732
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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 · Charter 23732
Q1 2005
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | 0.16% | -0.67% | 0.06% | -3.91% | -5.88% | -7.37% | -19.32% | -1,938 bps | |
| Return on Equity | -0.86% | 1.42% | -8.44% | 0.80% | -54.44% | -110.05% | -192.59% | n/a | n/a | |
| Net Interest Margin | 3.68% | 3.98% | 3.10% | 3.09% | 5.54% | 5.81% | 6.54% | 4.49% | +140 bps | |
| Efficiency Ratio | 101.87% | 97.06% | 116.81% | 98.60% | 73.73% | 79.70% | 89.59% | 110.13% | +1,153 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.47% | 15.45% | 37.22% | 26.55% | 9.79% | 8.15% | -29.25% | -33.47% | -6,002 bps | |
| Loan Growth (YoY) | 15.73% | 53.18% | 63.70% | 79.28% | 40.72% | 18.14% | -13.08% | -28.84% | -10,812 bps | |
| Share Growth (YoY) | 26.49% | 8.47% | 44.00% | 31.37% | 15.02% | 17.18% | -26.70% | -26.71% | -5,809 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.75% | 10.26% | 3.96% | 3.36% | 7.65% | 8.58% | 11.40% | 17.01% | +1,365 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 | 0.01% | 0.07% | 0.61% | 0.58% | 4.48% | 2.20% | 4.81% | 11.40% | +1,083 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.84% | 11.33% | 7.92% | 8.07% | 7.19% | 5.34% | 3.82% | -0.68% | -875 bps | |
| Net Worth / Assets | 10.84% | 11.33% | 7.92% | 8.07% | 7.19% | 5.34% | 3.82% | -0.68% | -875 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.45% | 85.56% | 73.74% | 84.55% | 83.75% | 86.26% | 87.44% | 82.09% | -246 bps | |
| Liquid Assets / Assets | 19.49% | 8.35% | 20.63% | 9.90% | 24.74% | 14.06% | 13.31% | 14.08% | +418 bps | |