PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lighthouse Bank

Waltham, MA · Cert 35449

FDIC

Q2 2001

$80.1MAssets
$53.8MLoans
$57.3MDeposits
$18.7MEquity
Deposit mix
99%Interest-bearing $56.7M1%Noninterest $0.6MQ2 2000Q2 2001

Executive Summary

  • Earnings: ROA of -8.40%, up 105 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 94.03% of deposits as of Q2 2001.

Return on Assets (YTD, annualized)

-8.40%+105 bps YoY

Net Interest Margin (YTD, annualized)

2.64%

Efficiency Ratio (YTD, annualized)

259%

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.42%Q1 ’016.20%Q2 ’01+11%

Non-interest income vs. expense

8.06%Q1 ’017.18%Q2 ’01-11%

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets-9.45%-8.39%-6.27%-3.70%-8.40%+105 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a2.39%2.64%n/a
Efficiency Ration/an/an/a322%259%n/a
Non-Interest Burdenn/an/an/a7.95%7.06%n/a
Growth
Asset Growth (YoY)n/an/an/an/a231%n/an/a
Loan Growth (YoY)n/an/an/an/a1268%n/an/a
Deposit Growth (YoY)n/an/an/an/a26779%n/an/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.00%0.00%n/a
Allowance / Loansn/an/an/a0.33%0.35%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/a57.56%50.51%n/a
Equity / Assetsn/an/an/a24.59%23.35%n/a
Liquidity & Funding
Loans / Deposits1847%123.06%63.09%77.77%94.03%-175,339 bps
Liquid Assets / Assets0.00%0.00%0.00%25.92%21.20%+2,120 bps
CRE / Total Capitaln/an/an/an/an/an/an/a