Newton, MA · Cert 34266
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Newton, MA · Cert 34266
FDIC
Q2 2002
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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.78% | -2.63% | -1.37% | -1.37% | -1.42% | -1.49% | -1.02% | -1.43% | -6 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -8.33% | -12.54% | n/a | |
| Net Interest Margin | n/a | n/a | 3.20% | 3.14% | 3.15% | 2.88% | 3.25% | 3.43% | +29 bps | |
| Efficiency Ratio | n/a | n/a | 137.89% | 139.10% | 143.34% | 148.06% | 126.14% | 128.39% | -1,070 bps | |
| Non-Interest Burden | n/a | n/a | 4.47% | 4.42% | 4.58% | 4.34% | 4.14% | 4.44% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.70% | 29.62% | 10.80% | 1.38% | 0.49% | -2.33% | -1.55% | 21.97% | +2,059 bps | |
| Loan Growth (YoY) | 272% | 183.93% | 105.43% | 42.86% | 13.70% | 20.91% | 25.69% | 50.22% | +735 bps | |
| Deposit Growth (YoY) | 14.92% | 30.89% | -2.11% | -6.33% | -5.90% | -8.44% | 6.31% | 9.29% | +1,563 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | -0.16% | -0.07% | -0.05% | -0.04% | 0.00% | 0.00% | +7 bps | |
| Allowance / Loans | n/a | n/a | 1.49% | 1.48% | 1.62% | 1.53% | 1.40% | 1.47% | -2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | 16.84% | 15.51% | 15.92% | 18.57% | 14.72% | 12.63% | -288 bps | |
| Equity / Assets | n/a | n/a | 10.70% | 10.68% | 10.50% | 12.49% | 12.03% | 9.96% | -72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.14% | 54.71% | 67.12% | 71.48% | 67.84% | 72.25% | 79.35% | 98.25% | +2,677 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 8.28% | 10.00% | 20.10% | 1.99% | 1.91% | 0.09% | -991 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |