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Wainwright Bank and Trust Company

Boston, MA · Cert 27009

FDIC

Q4 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2010, the quarter ended December 31, 2010, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wainwright Bank and Trust Company

Boston, MA · Cert 27009

FDIC

Q4 2010

$1.1BAssets
$854.4MLoans
$799.8MDeposits
$160.3MEquity
Loan mix
76%RE $594.9M24%C&I $186.0M0%Consumer $0.3MQ4 2009Q4 2010
Deposit mix
94%Interest-bearing $750.4M6%Noninterest $49.4MQ4 2009Q4 2010

NIM

5.22%Q4 ’084.92%Q4 ’090.55%Q4 ’10+8%-85%

Non-interest income vs. expense

2.52%Q4 ’082.83%Q4 ’090.37%Q4 ’10+3%-86%

Executive Summary

  • Earnings: ROA of -0.65%, down 126 bps year over year; NIM at 0.47%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 106.83% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

-0.65%-126 bps YoY

Net Interest Margin (YTD, annualized)

0.47%-266 bps YoY

Efficiency Ratio (YTD, annualized)

71.20%-478 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets0.61%0.82%0.83%0.83%-0.65%-126 bps
Return on Equity7.30%11.50%11.62%11.45%-7.35%-1,465 bps
Net Interest Margin3.13%3.46%3.36%3.48%0.47%-266 bps
Efficiency Ratio75.98%71.96%72.89%73.53%71.20%-478 bps
Non-Interest Burden2.25%2.36%2.30%2.44%0.32%-193 bps
Growth
Asset Growth (YoY)-3.87%-0.24%3.94%1.52%9.06%+1,294 bps
Loan Growth (YoY)-2.40%-1.87%1.88%5.05%3.96%+636 bps
Deposit Growth (YoY)0.12%3.72%13.54%12.93%11.34%+1,122 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.11%0.15%0.04%0.03%0.02%-9 bps
Allowance / Loans1.25%1.26%1.23%1.18%1.50%+25 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.82%12.07%11.76%12.07%11.09%-73 bps
Equity / Assets7.14%7.09%7.20%7.56%14.49%+734 bps
Liquidity & Funding
Loans / Deposits114.41%106.25%106.10%115.96%106.83%-759 bps
Liquid Assets / Assets2.86%4.73%3.28%0.91%2.90%+3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a