Chelsea, MA · Cert 2569
FDIC
Q3 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 0.18% | 0.63% | 0.78% | 0.87% | -0.06% | 0.60% | 0.61% | -17 bps | |
| Return on Equity | n/a | 2.29% | 8.25% | 10.27% | 11.34% | -0.76% | 7.75% | 7.87% | -240 bps | |
| Net Interest Margin | 4.04% | 3.72% | 3.61% | 3.58% | 3.50% | 3.13% | 2.98% | 2.79% | -79 bps | |
| Efficiency Ratio | 61.10% | 93.18% | 78.18% | 73.01% | 71.12% | 72.02% | 69.96% | 70.41% | -260 bps | |
| Non-Interest Burden | 2.18% | 3.40% | 2.63% | 2.37% | 2.22% | 1.99% | 1.81% | 1.69% | -69 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.77% | 7.12% | 11.06% | 6.29% | 4.41% | 2.98% | -2.78% | -3.89% | -1,018 bps | |
| Loan Growth (YoY) | -8.41% | -12.85% | -13.24% | -9.47% | -14.59% | -16.49% | 3.05% | -6.94% | +253 bps | |
| Deposit Growth (YoY) | 9.02% | 10.29% | 10.89% | 7.54% | 2.61% | 1.86% | -1.57% | -4.07% | -1,160 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.16% | -0.02% | -0.01% | -0.01% | -0.05% | -0.04% | -0.03% | -0.04% | -3 bps | |
| Allowance / Loans | 1.12% | 1.24% | 1.30% | 1.24% | 1.37% | 1.50% | 1.26% | 1.30% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.41% | 12.28% | 12.73% | 13.43% | 13.83% | 12.67% | 13.85% | 14.04% | +62 bps | |
| Equity / Assets | 7.86% | 7.44% | 7.48% | 7.74% | 7.99% | 7.39% | 7.91% | 7.77% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.22% | 53.48% | 51.67% | 54.62% | 49.29% | 43.85% | 54.09% | 52.98% | -164 bps | |
| Liquid Assets / Assets | 0.09% | 0.09% | 0.09% | 0.07% | 5.40% | 3.26% | 1.67% | 8.43% | +836 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |