Boston, MA · Cert 24206
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.47% | 1.22% | 38.69% | 51.30% | 17.17% | +2,264 bps | |
| Return on Equity | -9.53% | 2.04% | 60.15% | 101.68% | 32.89% | +4,243 bps | |
| Net Interest Margin | -0.06% | 0.00% | 0.00% | 0.05% | 0.00% | +6 bps | |
| Efficiency Ratio | 111.03% | 90.00% | 79.11% | 78.97% | 92.44% | -1,859 bps | |
| Non-Interest Burden | 8.02% | -4.79% | -61.25% | -84.04% | -41.21% | -4,923 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -32.16% | -96.48% | -96.24% | -97.31% | -97.12% | -6,496 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% | -100.00% | -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 | 32.82% | 117.10% | 61.47% | 42.45% | 60.11% | +2,729 bps | |
| Equity / Assets | 59.32% | 69.30% | 56.58% | 42.45% | 61.30% | +199 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 8.88% | 51.02% | 9.94% | 0.00% | 0.00% | -888 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |