Malden, MA · Cert 26449
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Malden, MA · Cert 26449
FDIC
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | 0.10% | 0.17%1 | 0.14%1 | 0.26% | 0.09% | 0.05% | 0.07%1 | -8 bps | |
| Return on Equity | 0.38% | 1.05% | 1.85% | 1.63% | 3.22% | 1.08% | 0.62% | 0.83% | -80 bps | |
| Net Interest Margin | 2.77% | 2.70% | 2.71% | 2.63% | 2.65% | 2.68% | 2.74% | 2.69% | +5 bps | |
| Efficiency Ratio | 98.76% | 98.90% | 99.79% | 99.14% | 90.68% | 96.42% | 97.48% | 100.08% | +93 bps | |
| Non-Interest Burden | 2.73% | 2.66% | 2.70% | 2.61% | 2.40% | 2.59% | 2.67% | 2.69% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.48% | 4.34% | 2.24% | 11.35% | 10.08% | 2.88% | 7.72% | -8.94% | -2,029 bps | |
| Loan Growth (YoY) | 5.34% | 8.40% | 16.76% | 8.50% | 19.44% | 16.21% | 3.99% | 2.05% | -645 bps | |
| Deposit Growth (YoY) | -1.30% | 6.35% | 1.24% | 16.61% | 12.88% | 3.91% | 12.04% | -10.47% | -2,708 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.41% | 0.41% | 0.37% | 0.37% | 0.35% | 0.35% | 0.36% | 0.36% | -1 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 | 16.64% | 17.50% | 16.91% | 15.94% | 15.95% | 16.64% | 16.57% | 17.68% | +174 bps | |
| Equity / Assets | 9.01% | 9.02% | 8.92% | 8.03% | 8.07% | 8.42% | 8.17% | 8.80% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.43% | 90.27% | 99.35% | 88.72% | 95.69% | 100.95% | 92.22% | 101.13% | +1,241 bps | |
| Liquid Assets / Assets | 3.46% | 3.84% | 2.39% | 2.74% | 1.44% | 2.16% | 2.02% | 1.97% | -78 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |