Boston, MA · Cert 27229
FDIC
Q1 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | -0.56% | -1.44% | -10.13% | 0.37% | +10 bps | |
| Return on Equity | 0.29% | -0.63% | -1.60% | -11.23% | 0.41% | +12 bps | |
| Net Interest Margin | 0.00% | 0.00% | 0.02% | 0.06% | 0.32% | +32 bps | |
| Efficiency Ratio | 91.05% | 96.95% | 96.05% | 103.93% | 88.45% | -260 bps | |
| Non-Interest Burden | 0.41% | 1.83% | 1.58% | 17.51% | -0.40% | -81 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 824% | 791% | 649% | -6.86% | -6.02% | -82,960 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 79.57% | 58.75% | 59.77% | 104.17% | 98.94% | +1,938 bps | |
| Equity / Assets | 90.47% | 88.67% | 90.20% | 91.01% | 85.84% | -462 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 4.11% | 8.17% | 13.90% | +1,390 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |