PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Trust Company of the Berkshires, National Association, The

Pittsfield, MA · Cert 34045

FDIC

Q1 2003

$993KAssets
n/aLoans
n/aDeposits
$238KEquity

Executive Summary

  • Earnings: ROA of -22.80%, down 423 bps year over year; NIM at -2.40%.

Return on Assets (quarter, annualized)

-22.80%-423 bps YoY

Net Interest Margin (quarter, annualized)

-2.40%-202 bps YoY

Efficiency Ratio (quarter, annualized)

157.80%+1,966 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

3.92%Q1 ’012.68%Q1 ’021.60%Q1 ’03-118%-528%

Non-interest income vs. expense

97.50%Q1 ’01102.49%Q1 ’02109.20%Q1 ’03+221%+35%

Discrete quarter, annualized.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets-6.39%-9.46%-9.30%-18.57%-19.01%-21.41%-63.16%-22.80%-423 bps
Return on Equity-8.91%-13.37%-15.08%-34.37%-36.06%-42.53%-164.68%-85.82%-5,145 bps
Net Interest Margin0.88%1.32%0.44%-0.38%-0.40%-1.66%-1.31%-2.40%-202 bps
Efficiency Ratio107.27%110.63%128.71%138.14%140.00%146.59%196.24%157.80%+1,966 bps
Non-Interest Burden7.89%10.96%26.87%27.92%29.35%32.43%96.28%37.60%+968 bps
Growth
Asset Growth (YoY)27.35%-5.03%18.13%12.21%7.37%5.41%-5.53%-6.05%-1,826 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 Capital169.07%140.70%192.56%176.58%181.11%131.41%64.08%27.13%-14,945 bps
Equity / Assets71.05%70.38%54.56%53.45%51.94%48.72%28.97%23.97%-2,949 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets5.24%2.05%18.33%9.37%5.47%9.85%17.73%15.41%+604 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a