Bridgewater, MA · Cert 26550
FDIC
Q3 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.75% | 0.51% | 0.54% | 0.25% | 0.55% | 0.26% | -0.95% | -149 bps | |
| Return on Equity | 6.38% | 8.54% | 5.32% | 5.25% | 2.46% | 5.42% | 2.41% | -8.38% | -1,362 bps | |
| Net Interest Margin | 3.69% | 3.96% | 3.82% | 3.95% | 3.78% | 3.97% | 3.90% | 3.95% | 0 bps | |
| Efficiency Ratio | 78.31% | 76.16% | 82.88% | 78.29% | 93.57% | 86.39% | 91.95% | 123.24% | +4,495 bps | |
| Non-Interest Burden | 2.86% | 2.97% | 3.15% | 3.04% | 3.53% | 3.40% | 3.55% | 4.95% | +191 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.89% | -8.99% | -18.24% | -20.65% | -8.46% | -8.02% | -5.80% | -10.04% | +1,061 bps | |
| Loan Growth (YoY) | 1.55% | 12.97% | -2.01% | -14.61% | -22.96% | -24.43% | -9.66% | -8.77% | +584 bps | |
| Deposit Growth (YoY) | -6.94% | -12.86% | -20.39% | -23.00% | -9.75% | -6.81% | -6.76% | -10.97% | +1,203 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 | 1.35% | 1.36% | 1.63% | 1.63% | 1.75% | 1.80% | 1.80% | 1.79% | +16 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 | 16.71% | 18.26% | 19.88% | 21.04% | 20.21% | 21.91% | 21.27% | 28.57% | +752 bps | |
| Equity / Assets | 8.55% | 9.08% | 10.14% | 10.39% | 9.85% | 10.34% | 11.19% | 11.61% | +122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.02% | 60.84% | 55.08% | 55.71% | 48.67% | 49.33% | 53.36% | 57.08% | +138 bps | |
| Liquid Assets / Assets | 23.79% | 17.13% | 16.77% | 16.95% | 12.04% | 13.78% | 14.90% | 12.62% | -434 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |