Boston, MA · Cert 34754
FDIC
Q2 2009
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -15.49% | -18.67% | -15.43% | 16.81% | -0.95% | +1,454 bps | |
| Return on Equity | -19.30% | -23.14% | -19.37% | 19.79% | -1.08% | +1,823 bps | |
| Net Interest Margin | 2.75% | 3.85% | 3.45% | 1.38% | 0.00% | -275 bps | |
| Efficiency Ratio | 131.02% | 133.19% | 128.90% | 66.00% | 125.58% | -544 bps | |
| Non-Interest Burden | 18.97% | 24.08% | 20.29% | -16.24% | 1.01% | -1,797 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.97% | -10.83% | -3.26% | -26.61% | -29.99% | -2,802 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 | 384% | 305% | 340% | 446% | 432% | +4,794 bps | |
| Equity / Assets | 74.91% | 82.12% | 75.35% | 96.75% | 97.13% | +2,223 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 3.74% | 5.49% | 41.36% | 15.43% | 27.97% | +2,423 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |