PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Anawon Trust, N.A.

Attleboro, MA · Cert 33133

FDIC

Q2 2007

$4.2MAssets
n/aLoans
n/aDeposits
$3.4MEquity

Executive Summary

  • Earnings: ROA of 3.74%, down 81 bps year over year; NIM at 2.63%.

Return on Assets (quarter, annualized)

3.74%-81 bps YoY

Net Interest Margin (quarter, annualized)

2.63%+5 bps YoY

Efficiency Ratio (quarter, annualized)

84.88%+571 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

2.24%Q2 ’052.58%Q2 ’062.63%Q2 ’07+15%+2%

Non-interest income vs. expense

29.55%Q2 ’0531.03%Q2 ’0635.51%Q2 ’07-43%+34%

Discrete quarter, annualized.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets5.03%3.13%4.71%4.56%6.34%5.58%5.03%3.74%-81 bps
Return on Equity6.01%3.76%5.65%5.46%7.60%6.72%6.13%4.62%-83 bps
Net Interest Margin2.74%2.40%2.68%2.58%2.83%2.84%2.96%2.63%+5 bps
Efficiency Ratio77.48%85.37%79.32%79.18%72.92%77.04%81.52%84.88%+571 bps
Non-Interest Burden-5.47%-2.94%-5.78%-5.58%-7.74%-6.58%-5.43%-3.70%+188 bps
Growth
Asset Growth (YoY)8.16%3.84%5.24%4.82%5.43%7.46%9.68%11.19%+637 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital101.58%100.71%103.92%99.94%100.56%100.12%98.65%93.40%-653 bps
Equity / Assets83.52%83.02%83.82%83.25%83.63%82.43%81.88%80.04%-320 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a