Adams, MA · Cert 26568
FDIC
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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.
Adams, MA · Cert 26568
FDIC
Q4 2011
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 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.19% | 0.21% | 0.15% | 0.11% | 0.21% | 0.19% | 0.17% | +2 bps | |
| Return on Equity | 2.79% | 2.05% | 2.23% | 1.66% | 1.18% | 2.20% | 2.03% | 1.83% | +17 bps | |
| Net Interest Margin | 2.98% | 3.00% | 3.05% | 3.12% | 3.20% | 3.10% | 3.07% | 3.10% | -1 bps | |
| Efficiency Ratio | 87.77% | 89.60% | 88.81% | 89.32% | 90.14% | 86.62% | 86.29% | 87.12% | -220 bps | |
| Non-Interest Burden | 2.57% | 2.65% | 2.67% | 2.75% | 2.85% | 2.64% | 2.60% | 2.66% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.53% | -3.02% | -2.98% | -2.51% | -3.94% | -1.07% | 0.91% | 0.77% | +328 bps | |
| Loan Growth (YoY) | -5.88% | -1.86% | -2.92% | -1.34% | -1.88% | -0.46% | 1.05% | 0.15% | +148 bps | |
| Deposit Growth (YoY) | 0.13% | 0.86% | -0.86% | -2.73% | -3.31% | -2.44% | 0.63% | 2.17% | +491 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 | 0.90% | 0.72% | 0.49% | 0.54% | 1.14% | 0.62% | 0.48% | 0.55% | +1 bps | |
| Allowance / Loans | 1.34% | 1.25% | 1.31% | 1.24% | 1.04% | 1.07% | 1.12% | 1.02% | -23 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 | 15.28% | 15.48% | 15.83% | 16.07% | 16.06% | 16.07% | 16.17% | 16.48% | +41 bps | |
| Equity / Assets | 9.01% | 9.34% | 9.53% | 9.52% | 9.36% | 9.47% | 9.61% | 9.79% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.14% | 101.42% | 102.67% | 105.52% | 102.63% | 103.47% | 103.10% | 103.43% | -209 bps | |
| Liquid Assets / Assets | 0.19% | 0.08% | 0.06% | 0.00% | 0.05% | 0.04% | 0.08% | 0.06% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |