PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Congress Trust, National Association

Boston, MA · Cert 34754

FDIC

Q2 2009

$2.1MAssets
n/aLoans
n/aDeposits
$2.0MEquity

Executive Summary

  • Earnings: ROA of -21.31%, down 1,184 bps year over year; NIM at -1.46%.

Return on Assets (quarter, annualized)

-21.31%-1,184 bps YoY

Net Interest Margin (quarter, annualized)

-1.46%-335 bps YoY

Efficiency Ratio (quarter, annualized)

125.58%+726 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

3.66%Q2 ’071.88%Q2 ’08-1.46%Q2 ’09-48%-178%

Non-interest income vs. expense

41.05%Q2 ’0765.46%Q2 ’08-26.34%Q2 ’09+403%+60%

Discrete quarter, annualized.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-13.11%-5.62%-21.48%-9.46%-24.58%-5.58%16.81%-21.31%-1,184 bps
Return on Equity-15.25%-6.38%-25.89%-12.40%-31.43%-7.10%19.79%-21.98%-958 bps
Net Interest Margin6.18%1.65%3.59%1.88%5.54%2.35%1.38%-1.46%-335 bps
Efficiency Ratio131.46%111.64%145.29%118.32%136.81%114.07%66.00%125.58%+726 bps
Non-Interest Burden19.53%7.51%25.74%12.02%30.73%9.71%-16.24%19.20%+718 bps
Growth
Asset Growth (YoY)13.47%-4.50%7.55%-1.97%-10.83%-3.26%-26.61%-29.99%-2,802 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 Capital542%490%478%384%305%340%446%432%+4,794 bps
Equity / Assets87.42%88.69%77.69%74.91%82.12%75.35%96.75%97.13%+2,223 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets2.15%14.21%2.65%3.74%5.49%41.36%15.43%27.97%+2,423 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a