Worcester, MA · Cert 33706
FDIC
Q1 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.78% | -0.28% | -0.12% | -1.92% | -192 bps | |
| Return on Equity | 0.00% | 0.78% | -0.28% | -0.12% | -1.92% | -192 bps | |
| Net Interest Margin | 0.96% | 1.02% | 0.80% | 0.75% | 1.08% | +12 bps | |
| Efficiency Ratio | 147.62% | 74.42% | 126.09% | 113.73% | 356% | +20,794 bps | |
| Non-Interest Burden | 2.16% | 0.36% | 1.28% | 0.96% | 3.84% | +168 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.45% | -0.74% | -0.80% | -0.60% | -0.27% | +18 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 | 494% | 450% | 508% | 508% | 447% | -4,668 bps | |
| Equity / Assets | 99.79% | 100.00% | 99.94% | 99.94% | 99.73% | -6 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 39.48% | 46.49% | 46.80% | 46.82% | 50.22% | +1,074 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |