Dedham, MA · Cert 27232
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.67% | 0.48% | 0.31% | 0.20% | 0.31% | 0.22% | 0.25% | -6 bps | |
| Return on Equity | 3.52% | 4.37% | 3.23% | 2.18% | 1.39% | 2.17% | 1.46% | 1.66% | -52 bps | |
| Net Interest Margin | 2.65% | 2.62% | 2.28% | 2.19% | 2.13% | 2.07% | 2.08% | 2.05% | -14 bps | |
| Efficiency Ratio | 69.07% | 67.02% | 69.11% | 78.39% | 86.73% | 81.37% | 83.75% | 81.86% | +347 bps | |
| Non-Interest Burden | 1.80% | 1.71% | 1.54% | 1.69% | 1.83% | 1.66% | 1.72% | 1.65% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.84% | 2.76% | 7.80% | 6.55% | 8.30% | 5.31% | -1.57% | -2.87% | -942 bps | |
| Loan Growth (YoY) | 7.20% | 11.46% | 27.49% | 22.24% | 22.42% | 21.10% | 12.96% | 11.00% | -1,125 bps | |
| Deposit Growth (YoY) | 4.35% | 1.54% | 1.35% | 7.09% | 9.71% | 7.08% | 11.07% | 12.41% | +532 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 | -0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.77% | 0.75% | 0.68% | 0.68% | 0.68% | 0.67% | 0.65% | 0.66% | -2 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 | 31.30% | 30.75% | 29.16% | 29.60% | 30.53% | 31.42% | 30.35% | 30.93% | +133 bps | |
| Equity / Assets | 15.32% | 15.22% | 14.29% | 14.40% | 14.46% | 14.59% | 14.91% | 15.30% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.61% | 70.99% | 78.93% | 81.21% | 79.91% | 80.29% | 80.27% | 80.19% | -102 bps | |
| Liquid Assets / Assets | 7.19% | 6.48% | 6.03% | 6.26% | 6.19% | 6.93% | 6.67% | 6.13% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |