Attleboro, MA · Cert 33133
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.56% | 6.34% | 5.58% | 5.03% | 3.74% | -81 bps | |
| Return on Equity | 5.46% | 7.60% | 6.72% | 6.13% | 4.62% | -83 bps | |
| Net Interest Margin | 2.58% | 2.83% | 2.84% | 2.96% | 2.63% | +5 bps | |
| Efficiency Ratio | 79.18% | 72.92% | 77.04% | 81.52% | 84.88% | +571 bps | |
| Non-Interest Burden | -5.58% | -7.74% | -6.58% | -5.43% | -3.70% | +188 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 |