Boston, MA · Charter 5277
Q1 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | -0.53% | 0.96% | -6.31% | -1.56% | -2.04% | -1.73% | -16.16% | -985 bps | |
| Return on Equity | n/a | -2.43% | 5.17% | -60.45% | -17.38% | -26.21% | -20.45% | -348% | -28,722 bps | |
| Net Interest Margin | 7.16% | 7.40% | 7.82% | 5.68% | 5.12% | 4.89% | 5.10% | 4.49% | -119 bps | |
| Efficiency Ratio | 97.49% | 106.61% | 89.32% | 134.79% | 121.61% | 114.72% | 112.10% | 104.17% | -3,061 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.96% | -1.78% | 20.30% | 32.63% | 32.50% | 46.69% | 5.78% | -0.24% | -3,287 bps | |
| Loan Growth (YoY) | -26.76% | 35.52% | 60.67% | 50.00% | 47.84% | -14.17% | -20.29% | -23.70% | -7,370 bps | |
| Share Growth (YoY) | -6.93% | -0.97% | 26.57% | 53.97% | 53.69% | 71.22% | 16.24% | 5.66% | -4,831 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.88% | 12.90% | 12.18% | 5.91% | 9.73% | 8.90% | 14.49% | 17.63% | +1,172 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.42% | 1.48% | 1.38% | 1.79% | 1.94% | 3.62% | 3.84% | 13.06% | +1,127 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 21.89% | 18.55% | 10.44% | 8.99% | 7.77% | 8.47% | 4.65% | -579 bps | |
| Net Worth / Assets | n/a | 21.89% | 18.55% | 10.44% | 8.99% | 7.77% | 8.47% | 4.65% | -579 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.30% | 103.32% | 79.46% | 68.74% | 58.01% | 51.79% | 54.49% | 49.64% | -1,910 bps | |
| Liquid Assets / Assets | 48.26% | 18.22% | 29.68% | 34.10% | 40.91% | 46.60% | 42.65% | 52.56% | +1,846 bps | |