Pittsfield, MA · Cert 34045
FDIC
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -18.57% | -19.01% | -21.41% | -63.16% | -22.80% | -423 bps | |
| Return on Equity | -34.37% | -36.06% | -42.53% | -164.68% | -85.82% | -5,145 bps | |
| Net Interest Margin | -0.38% | -0.40% | -1.66% | -1.31% | -2.40% | -202 bps | |
| Efficiency Ratio | 138.14% | 140.00% | 146.59% | 196.24% | 157.80% | +1,966 bps | |
| Non-Interest Burden | 27.92% | 29.35% | 32.43% | 96.28% | 37.60% | +968 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.21% | 7.37% | 5.41% | -5.53% | -6.05% | -1,826 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 | 176.58% | 181.11% | 131.41% | 64.08% | 27.13% | -14,945 bps | |
| Equity / Assets | 53.45% | 51.94% | 48.72% | 28.97% | 23.97% | -2,949 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 9.37% | 5.47% | 9.85% | 17.73% | 15.41% | +604 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |