Quincy, MA · Cert 26569
FDIC
Q2 2002
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 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.37% | 0.64% | 0.78% | 0.82% | 0.60% | 1.19% | 0.90% | +11 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 16.88% | 12.41% | n/a | |
| Net Interest Margin | n/a | n/a | 3.12% | 3.20% | 3.22% | 3.24% | 3.90% | 3.91% | +71 bps | |
| Efficiency Ratio | n/a | n/a | 75.53% | 73.06% | 70.98% | 76.09% | 66.83% | 74.16% | +110 bps | |
| Non-Interest Burden | n/a | n/a | 2.19% | 2.10% | 2.04% | 2.24% | 2.29% | 2.66% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.10% | 17.38% | 8.42% | 4.80% | 10.00% | 6.88% | 8.25% | 7.14% | +235 bps | |
| Loan Growth (YoY) | 20.36% | 14.98% | 4.15% | -4.03% | -0.25% | -2.77% | -13.47% | -7.36% | -333 bps | |
| Deposit Growth (YoY) | 34.51% | 38.16% | 18.48% | 4.85% | 10.39% | 12.00% | 11.63% | 14.05% | +920 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 | n/a | n/a | -0.05% | -0.05% | -0.05% | -0.07% | -0.04% | -0.05% | 0 bps | |
| Allowance / Loans | n/a | n/a | 0.85% | 0.85% | 0.83% | 0.83% | 0.86% | 0.89% | +4 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 | n/a | n/a | 13.83% | 12.94% | 12.54% | 12.76% | 12.79% | 13.09% | +16 bps | |
| Equity / Assets | n/a | n/a | 7.19% | 7.44% | 7.12% | 7.07% | 7.08% | 7.51% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.85% | 94.83% | 95.53% | 94.80% | 88.42% | 82.32% | 74.05% | 77.01% | -1,780 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.60% | 0.95% | 1.49% | 1.17% | 0.63% | 0.44% | -51 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |