Swansea, MA · Cert 35540
FDIC
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.75% | -2.42% | -1.44% | 2.13% | 5.24% | +49 bps | |
| Return on Equity | 5.65% | -2.95% | -1.75% | 2.56% | 6.39% | +73 bps | |
| Net Interest Margin | 2.13% | 1.85% | 1.86% | 1.65% | 1.60% | -53 bps | |
| Efficiency Ratio | 82.45% | 108.92% | 105.04% | 93.47% | 83.57% | +112 bps | |
| Non-Interest Burden | -6.51% | 5.79% | 4.31% | -1.77% | -7.55% | -104 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.30% | 18.07% | 3.04% | 3.19% | 4.07% | -23 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 | 246% | 248% | 259% | 264% | 268% | +2,169 bps | |
| Equity / Assets | 84.00% | 80.32% | 84.00% | 82.10% | 81.87% | -213 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 68.44% | 67.42% | 66.71% | 68.88% | 70.14% | +169 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |