South Boston, MA · Cert 26552
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | -0.38% | -2.24% | -0.64% | 0.11%1 | -0.70% | -0.31% | -1.07% | -43 bps | |
| Return on Equity | 4.98% | -5.59% | -36.16% | -11.05% | 1.90% | -11.14% | -4.85% | -16.62% | -558 bps | |
| Net Interest Margin | 2.92% | 3.48% | 3.19% | 3.10% | 2.97% | 2.97% | 3.06% | 3.13% | +3 bps | |
| Efficiency Ratio | 84.89% | 108.47% | 87.55% | 84.51% | 90.73% | 111.01% | 93.73% | 122.37% | +3,786 bps | |
| Non-Interest Burden | 2.37% | 3.84% | 2.72% | 2.53% | 2.65% | 3.38% | 2.83% | 3.96% | +143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.13% | 12.79% | 9.33% | 4.74% | -0.91% | -10.67% | -10.53% | -8.06% | -1,280 bps | |
| Loan Growth (YoY) | 7.46% | 19.15% | 19.51% | 13.58% | 8.68% | -6.08% | -8.41% | -6.97% | -2,056 bps | |
| Deposit Growth (YoY) | 3.86% | 11.33% | 17.39% | 6.09% | 6.45% | 0.30% | -1.21% | 3.77% | -232 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 | 0.07% | 0.08% | 0.06% | 3.34% | 0.32% | 0.29% | 0.40% | 0.24% | -310 bps | |
| Allowance / Loans | 0.82% | 0.81% | 1.47% | 0.86% | 0.93% | 1.09% | 1.18% | 1.23% | +37 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 | 11.50% | 11.31% | 10.92% | 9.85% | 6.04% | 6.26% | 6.28% | 6.16% | -370 bps | |
| Equity / Assets | 6.98% | 6.63% | 5.78% | 5.81% | 6.12% | 6.40% | 6.54% | 6.37% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.78% | 104.33% | 101.24% | 103.94% | 101.87% | 97.70% | 93.86% | 93.18% | -1,077 bps | |
| Liquid Assets / Assets | 6.38% | 6.11% | 5.89% | 5.68% | 6.43% | 6.14% | 6.81% | 6.81% | +113 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |