PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pell Rudman Trust Company National Association

Boston, MA · Cert 27229

FDIC

Q1 2005

$138.7MAssets
n/aLoans
n/aDeposits
$119.0MEquity

Executive Summary

  • Earnings: ROA of 0.37%, up 10 bps year over year; NIM at 0.32%.

Return on Assets (quarter, annualized)

0.37%+10 bps YoY

Net Interest Margin (quarter, annualized)

0.32%+32 bps YoY

Efficiency Ratio (quarter, annualized)

88.45%-260 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.00%Q1 ’030.00%Q1 ’040.32%Q1 ’05

Non-interest income vs. expense

161.70%Q1 ’0324.33%Q1 ’0429.74%Q1 ’05+103%-200%

Discrete quarter, annualized.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets27.92%-20.10%-2.11%0.26%-1.36%-3.14%-37.31%0.37%+10 bps
Return on Equity68.59%-35.41%-2.39%0.29%-1.52%-3.51%-41.18%0.41%+12 bps
Net Interest Margin0.00%0.00%0.00%0.00%0.00%0.05%0.18%0.32%+32 bps
Efficiency Ratio86.26%102.45%75.97%91.05%102.58%94.23%126.75%88.45%-260 bps
Non-Interest Burden-26.27%3.70%3.21%0.41%3.25%1.22%64.75%-0.40%-81 bps
Growth
Asset Growth (YoY)-57.16%-10.40%620%824%791%649%-6.86%-6.02%-82,960 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital43.61%70.38%52.83%79.57%58.75%59.77%104.17%98.94%+1,938 bps
Equity / Assets43.07%68.59%90.97%90.47%88.67%90.20%91.01%85.84%-462 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%4.11%8.17%13.90%+1,390 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a