Boston, MA · Cert 27335
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Boston, MA · Cert 27335
FDIC
Q2 2012
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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 1.02% | 1.14% | 1.15% | 1.16% | 1.11% | 0.97% | 1.08% | -7 bps | |
| Return on Equity | 9.80% | 10.04% | 10.86% | 11.01% | 11.04% | 10.58% | 9.18% | 10.13% | -88 bps | |
| Net Interest Margin | 4.41% | 4.39% | 4.71% | 4.54% | 4.45% | 4.27% | 4.31% | 4.27% | -27 bps | |
| Efficiency Ratio | 62.57% | 61.74% | 59.34% | 58.85% | 58.22% | 58.67% | 60.98% | 57.60% | -125 bps | |
| Non-Interest Burden | 2.64% | 2.59% | 2.68% | 2.56% | 2.48% | 2.40% | 2.54% | 2.35% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.33% | 1.26% | 1.72% | 7.29% | 10.47% | 14.66% | 16.26% | 10.70% | +341 bps | |
| Loan Growth (YoY) | 8.78% | 10.34% | 8.19% | 10.84% | 11.72% | 9.81% | 16.15% | 13.71% | +287 bps | |
| Deposit Growth (YoY) | -0.24% | 3.30% | -1.24% | 9.28% | 12.35% | 15.69% | 23.22% | 11.74% | +246 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 | 0.00% | 0.09% | 0.00% | 0.00% | 0.16% | 0.12% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.10% | 1.01% | 1.05% | 1.04% | 0.94% | 0.98% | 0.96% | 0.98% | -6 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 | 13.58% | 13.42% | 13.60% | 13.25% | 13.85% | 13.93% | 13.36% | 13.50% | +25 bps | |
| Equity / Assets | 10.33% | 10.46% | 10.54% | 10.28% | 10.74% | 10.62% | 10.59% | 10.74% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.41% | 112.40% | 116.74% | 109.51% | 108.80% | 106.68% | 110.04% | 111.43% | +193 bps | |
| Liquid Assets / Assets | 3.23% | 0.22% | 0.22% | 0.11% | 5.37% | 7.23% | 3.78% | 2.98% | +287 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |