Attleboro, MA · Cert 33133
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Attleboro, MA · Cert 33133
FDIC
Q2 2007
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.63% | 5.21% | 5.30% | 5.03% | 4.38% | -25 bps | |
| Return on Equity | 5.55% | 6.24% | 6.36% | 6.13% | 5.37% | -18 bps | |
| Net Interest Margin | 2.63% | 2.65% | 2.63% | 2.96% | 2.77% | +14 bps | |
| Efficiency Ratio | 79.25% | 77.14% | 77.11% | 81.52% | 83.15% | +390 bps | |
| Non-Interest Burden | -5.69% | -6.28% | -6.20% | -5.43% | -4.52% | +117 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.82% | 5.43% | 7.46% | 9.68% | 11.19% | +637 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 | 99.94% | 100.56% | 100.12% | 98.65% | 93.40% | -653 bps | |
| Equity / Assets | 83.25% | 83.63% | 82.43% | 81.88% | 80.04% | -320 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |