Natick, MA · Cert 28373
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.
Natick, MA · Cert 28373
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 | 0.21% | 0.20% | -0.28% | -0.11% | -0.09% | -0.05% | -0.06% | -4.78% | -467 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 1.84% | 1.79% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 117.79% | 477% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | 2.20% | 9.07% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.67% | -1.40% | -1.76% | -3.10% | -3.09% | -3.19% | -1.35% | -3.13% | -4 bps | |
| Loan Growth (YoY) | -5.40% | -6.70% | -12.32% | -11.36% | -11.16% | -11.06% | -8.75% | -11.49% | -13 bps | |
| Deposit Growth (YoY) | -1.31% | 0.46% | 0.34% | -1.15% | -0.86% | -2.40% | -0.65% | 0.64% | +179 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 | n/a | n/a | n/a | n/a | n/a | n/a | 0.00% | 0.14% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 0.24% | 0.42% | n/a | |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | 20.83% | 15.54% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 9.14% | 7.02% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.06% | 54.98% | 52.89% | 53.48% | 52.03% | 50.10% | 48.57% | 47.03% | -645 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 38.11% | 36.91% | +3,691 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |