Springfield, MA · Cert 26942
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 1.17% | 1.00% | 1.09% | 0.73% | 0.91% | 0.89% | 0.98% | -11 bps | |
| Return on Equity | 10.55% | 12.68% | 10.78% | 11.84% | n/a | n/a | n/a | n/a | n/a | |
| Net Interest Margin | 3.88% | 4.10% | 3.83% | 3.91% | n/a | n/a | n/a | n/a | n/a | |
| Efficiency Ratio | 59.82% | 58.29% | 60.76% | 60.42% | n/a | n/a | n/a | n/a | n/a | |
| Non-Interest Burden | 2.09% | 2.14% | 2.10% | 2.13% | n/a | n/a | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.47% | 7.06% | 3.92% | 4.63% | 14.93% | 15.78% | 14.00% | 13.95% | +932 bps | |
| Loan Growth (YoY) | 10.40% | 6.30% | 4.87% | 4.37% | -0.46% | 2.72% | 3.48% | 6.13% | +176 bps | |
| Deposit Growth (YoY) | 8.60% | 5.49% | -0.89% | -0.36% | -4.24% | -11.90% | -10.56% | -17.00% | -1,664 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 | 0.15% | 0.12% | 0.09% | 0.18% | n/a | n/a | n/a | n/a | n/a | |
| Allowance / Loans | 1.36% | 1.32% | 1.32% | 1.30% | n/a | n/a | n/a | n/a | n/a | |
| 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 | 11.16% | 11.28% | 11.23% | 11.02% | n/a | n/a | n/a | n/a | n/a | |
| Equity / Assets | 9.22% | 9.28% | 9.33% | 9.04% | n/a | n/a | n/a | n/a | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.53% | 111.21% | 115.09% | 113.32% | 114.89% | 129.66% | 133.15% | 144.90% | +3,158 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |