Brockton, MA · Cert 26396
FDIC
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.46% | -0.05% | -1.72% | -1.25% | -1.60% | -0.32% | -0.65% | -0.58% | +67 bps | |
| Return on Equity | -6.83% | -0.77% | -26.39% | -19.61% | -25.97% | -6.02% | -12.59% | -11.44% | +817 bps | |
| Net Interest Margin | 3.51% | 3.62% | 3.54% | 3.47% | 3.46% | 3.00% | 2.98% | 2.91% | -55 bps | |
| Efficiency Ratio | 106.54% | 98.27% | 113.27% | 111.38% | 107.58% | 108.98% | 113.34% | 117.08% | +570 bps | |
| Non-Interest Burden | 3.78% | 3.55% | 4.13% | 3.95% | 3.78% | 3.32% | 3.43% | 3.46% | -48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.97% | -7.90% | -6.11% | -4.69% | -2.88% | 0.56% | -0.93% | -2.72% | +196 bps | |
| Loan Growth (YoY) | -9.83% | -11.71% | -12.73% | -12.68% | -10.50% | -8.05% | -3.80% | -2.78% | +990 bps | |
| Deposit Growth (YoY) | 0.33% | -9.90% | -10.17% | -10.28% | -7.88% | -1.31% | -3.58% | -3.85% | +643 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 | 1.16% | 0.72% | 1.02% | 0.73% | 0.84% | 0.21% | 0.43% | 0.66% | -7 bps | |
| Allowance / Loans | 1.99% | 1.96% | 1.94% | 1.98% | 2.02% | 2.01% | 1.95% | 1.60% | -38 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 | 9.62% | 9.91% | 10.14% | 10.39% | 9.82% | 9.83% | 9.43% | 9.40% | -99 bps | |
| Equity / Assets | 6.73% | 6.86% | 5.97% | 5.92% | 5.31% | 5.17% | 4.96% | 4.96% | -96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.07% | 86.63% | 82.80% | 82.39% | 81.68% | 80.71% | 82.62% | 83.31% | +91 bps | |
| Liquid Assets / Assets | 8.31% | 10.82% | 13.87% | 17.07% | 17.14% | 20.55% | 19.10% | 18.96% | +189 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |