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 4.38%, down 25 bps year over year; NIM at 2.77%.

Return on Assets (YTD, annualized)

4.38%-25 bps YoY

Net Interest Margin (YTD, annualized)

2.77%+14 bps YoY

Efficiency Ratio (YTD, annualized)

83.15%+390 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

2.35%Q2 ’052.63%Q2 ’062.77%Q2 ’07+12%+5%

Non-interest income vs. expense

29.71%Q2 ’0531.78%Q2 ’0636.00%Q2 ’07-61%+20%

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets4.06%3.82%4.71%4.63%5.21%5.30%5.03%4.38%-25 bps
Return on Equity4.84%4.57%5.65%5.55%6.24%6.36%6.13%5.37%-18 bps
Net Interest Margin2.45%2.42%2.68%2.63%2.65%2.63%2.96%2.77%+14 bps
Efficiency Ratio81.42%82.44%79.32%79.25%77.14%77.11%81.52%83.15%+390 bps
Non-Interest Burden-4.12%-3.81%-5.78%-5.69%-6.28%-6.20%-5.43%-4.52%+117 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