Boston, MA · Charter 23889
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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 23889
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 | 0.71% | 0.61% | 0.57% | 0.45% | 0.19% | -0.07% | -0.08% | -5.92% | -637 bps | |
| Return on Equity | 5.27% | 4.36% | 4.03% | 3.10% | 1.28% | -0.47% | -0.54% | -63.03% | -6,613 bps | |
| Net Interest Margin | 2.85% | 2.81% | 2.84% | 2.88% | 2.70% | 2.58% | 2.69% | -1.47% | -435 bps | |
| Efficiency Ratio | 77.26% | 81.02% | 81.85% | 84.29% | 92.89% | 96.65% | 97.15% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.88% | 7.31% | 5.47% | -1.15% | -5.69% | -1.92% | -6.64% | -5.16% | -401 bps | |
| Loan Growth (YoY) | -18.01% | -13.69% | -8.74% | -9.19% | -4.15% | -6.18% | -10.52% | -9.67% | -48 bps | |
| Share Growth (YoY) | 12.77% | 7.39% | 5.68% | -1.80% | -7.08% | -1.98% | -7.86% | -0.02% | +177 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 1.12% | 0.37% | 0.54% | 0.82% | 0.96% | 0.94% | 0.30% | -24 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 | 0.68% | 0.66% | 0.67% | 0.68% | 0.73% | 0.60% | 0.67% | 0.70% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.56% | 13.97% | 14.20% | 14.59% | 14.69% | 14.35% | 15.17% | 9.39% | -519 bps | |
| Net Worth / Assets | 13.56% | 13.97% | 14.20% | 14.59% | 14.69% | 14.35% | 15.17% | 9.39% | -519 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.78% | 60.23% | 61.69% | 60.94% | 60.63% | 57.65% | 59.91% | 55.06% | -588 bps | |
| Liquid Assets / Assets | 29.88% | 25.46% | 27.31% | 30.26% | 32.06% | 35.53% | 46.38% | 47.83% | +1,758 bps | |