Boston, MA · Cert 27009
FDIC
Q4 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.57% | 0.59% | 0.61% | 0.82% | 0.83% | 0.83% | -0.65% | -126 bps | |
| Return on Equity | 7.11% | 6.66% | 6.72% | 7.30% | 11.50% | 11.62% | 11.45% | -7.35% | -1,465 bps | |
| Net Interest Margin | 2.97% | 3.01% | 3.09% | 3.13% | 3.46% | 3.36% | 3.48% | 0.47% | -266 bps | |
| Efficiency Ratio | 76.89% | 77.02% | 75.44% | 75.98% | 71.96% | 72.89% | 73.53% | 71.20% | -478 bps | |
| Non-Interest Burden | 2.21% | 2.20% | 2.20% | 2.25% | 2.36% | 2.30% | 2.44% | 0.32% | -193 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.01% | 0.94% | 3.10% | -3.87% | -0.24% | 3.94% | 1.52% | 9.06% | +1,294 bps | |
| Loan Growth (YoY) | 12.34% | 6.39% | 3.73% | -2.40% | -1.87% | 1.88% | 5.05% | 3.96% | +636 bps | |
| Deposit Growth (YoY) | 17.37% | -1.70% | -2.20% | 0.12% | 3.72% | 13.54% | 12.93% | 11.34% | +1,122 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 | 0.06% | 0.06% | 0.11% | 0.11% | 0.15% | 0.04% | 0.03% | 0.02% | -9 bps | |
| Allowance / Loans | 1.11% | 1.15% | 1.20% | 1.25% | 1.26% | 1.23% | 1.18% | 1.50% | +25 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 | 14.35% | 14.67% | 14.85% | 11.82% | 12.07% | 11.76% | 12.07% | 11.09% | -73 bps | |
| Equity / Assets | 8.37% | 9.00% | 9.33% | 7.14% | 7.09% | 7.20% | 7.56% | 14.49% | +734 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.30% | 118.25% | 124.66% | 114.41% | 106.25% | 106.10% | 115.96% | 106.83% | -759 bps | |
| Liquid Assets / Assets | 6.26% | 1.09% | 0.37% | 2.86% | 4.73% | 3.28% | 0.91% | 2.90% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |