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 -0.95%, up 1,454 bps year over year; NIM at 0.00%.

Return on Assets (YTD, annualized)

-0.95%+1,454 bps YoY

Net Interest Margin (YTD, annualized)

0.00%-275 bps YoY

Efficiency Ratio (YTD, annualized)

125.58%-544 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

3.87%Q2 ’072.75%Q2 ’080.00%Q2 ’09-29%-100%

Non-interest income vs. expense

43.51%Q2 ’0768.50%Q2 ’084.94%Q2 ’09+187%-95%

Year to date, annualized, through each quarter.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-6.24%-6.09%-21.48%-15.49%-18.67%-15.43%16.81%-0.95%+1,454 bps
Return on Equity-7.08%-6.90%-25.89%-19.30%-23.14%-19.37%19.79%-1.08%+1,823 bps
Net Interest Margin4.64%4.13%3.59%2.75%3.85%3.45%1.38%0.00%-275 bps
Efficiency Ratio115.19%114.22%145.29%131.02%133.19%128.90%66.00%125.58%-544 bps
Non-Interest Burden10.91%10.63%25.74%18.97%24.08%20.29%-16.24%1.01%-1,797 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