Lowell, MA · Cert 26619
FDIC
Q1 2010
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.35% | -0.87% | -5.47% | -2.69% | -4.54% | -3.89% | -3.13% | -9.27% | -659 bps | |
| Return on Equity | -16.30% | -10.71% | -76.13% | -64.58% | -123.91% | -116.55% | -100.26% | -864% | -79,928 bps | |
| Net Interest Margin | 2.38% | 2.99% | 2.29% | 1.28% | 1.54% | 1.70% | 1.87% | 2.07% | +79 bps | |
| Efficiency Ratio | 123.06% | 98.23% | 167.48% | 341% | 411% | 321% | 285% | 418% | +7,754 bps | |
| Non-Interest Burden | 2.94% | 2.94% | 3.58% | 3.63% | 4.30% | 4.53% | 4.60% | 5.65% | +202 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.47% | 15.89% | 37.52% | 28.13% | 20.07% | 7.07% | -17.33% | -22.30% | -5,043 bps | |
| Loan Growth (YoY) | 17.74% | 7.10% | 20.28% | 12.04% | 1.85% | 2.75% | -22.08% | -27.31% | -3,935 bps | |
| Deposit Growth (YoY) | 2.97% | 3.70% | 34.93% | 34.51% | 28.90% | 16.29% | -11.90% | -16.58% | -5,109 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 | 0.88% | 1.03% | 3.49% | 0.38% | 4.11% | 3.14% | 2.71% | 9.19% | +881 bps | |
| Allowance / Loans | 1.19% | 1.21% | 1.65% | 1.76% | 1.20% | 1.09% | 1.02% | 0.97% | -79 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 | 10.22% | 10.37% | 6.28% | 5.67% | 3.86% | 3.27% | 3.80% | -0.15% | -582 bps | |
| Equity / Assets | 7.90% | 7.54% | 4.45% | 3.86% | 2.58% | 2.24% | 2.16% | -0.11% | -397 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.79% | 102.23% | 96.08% | 90.47% | 89.12% | 90.33% | 84.97% | 78.83% | -1,164 bps | |
| Liquid Assets / Assets | 0.23% | 0.10% | 0.04% | 1.11% | 5.62% | 2.66% | 1.12% | 0.06% | -105 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |