Brookline, MA · Cert 26537
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Brookline, MA · Cert 26537
FDIC
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.76% | 0.63% | 0.65% | 0.63% | 0.62% | 0.39% | 0.33% | -32 bps | |
| Return on Equity | 6.51% | 6.16% | 4.74% | 4.86% | 4.73% | 4.62% | 2.87% | 2.40% | -246 bps | |
| Net Interest Margin | 4.12% | 4.27% | 4.28% | 4.20% | 4.10% | 4.06% | 3.90% | 3.89% | -31 bps | |
| Efficiency Ratio | 68.71% | 69.97% | 75.19% | 74.42% | 74.69% | 75.03% | 86.20% | 90.19% | +1,577 bps | |
| Non-Interest Burden | 2.77% | 2.93% | 3.16% | 3.07% | 3.01% | 2.99% | 3.34% | 3.48% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.57% | -3.74% | -8.58% | -4.09% | 1.40% | -0.23% | 3.43% | 0.71% | +480 bps | |
| Loan Growth (YoY) | -3.73% | -0.97% | 2.83% | 6.17% | 8.06% | 6.25% | 1.91% | -4.20% | -1,036 bps | |
| Deposit Growth (YoY) | -8.77% | -5.63% | -11.24% | -7.86% | -5.34% | -5.21% | -0.93% | -1.86% | +600 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 | 0.13% | 0.15% | -0.06% | -0.03% | -0.02% | -0.01% | 0.00% | 0.00% | +4 bps | |
| Allowance / Loans | 0.81% | 0.77% | 0.79% | 0.77% | 0.71% | 0.73% | 0.74% | 0.75% | -3 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 | 22.94% | 23.09% | 23.44% | 23.68% | 23.78% | 24.17% | 24.66% | 25.42% | +174 bps | |
| Equity / Assets | 12.72% | 13.00% | 13.67% | 13.43% | 13.17% | 13.65% | 13.78% | 13.80% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.15% | 96.49% | 103.53% | 104.76% | 106.33% | 108.15% | 106.50% | 102.27% | -249 bps | |
| Liquid Assets / Assets | 6.91% | 7.05% | 4.82% | 4.24% | 3.44% | 1.92% | 1.92% | 0.13% | -410 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |