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Family Capital Trust Company, National Association

Boston, MA · Cert 57407

FDIC

Q4 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2009, the quarter ended December 31, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Family Capital Trust Company, National Association

Boston, MA · Cert 57407

FDIC

Q4 2009

$5.0MAssets
n/aLoans
n/aDeposits
$4.9MEquity

NIM

2.98%Q4 ’072.47%Q4 ’080.73%Q4 ’09-17%-71%

Non-interest income vs. expense

44.05%Q4 ’0740.04%Q4 ’0838.65%Q4 ’09+27%+42%

Executive Summary

  • Earnings: ROA of 2.93%, down 372 bps year over year; NIM at 0.73%.

Financial Results

Return on Assets (YTD, annualized)

2.93%-372 bps YoY

Net Interest Margin (YTD, annualized)

0.73%-174 bps YoY

Efficiency Ratio (YTD, annualized)

88.19%+849 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets6.66%2.37%7.96%6.24%2.93%-372 bps
Return on Equity6.94%2.44%8.20%6.44%3.03%-391 bps
Net Interest Margin2.47%1.31%0.97%0.84%0.73%-174 bps
Efficiency Ratio79.70%87.14%76.46%79.31%88.19%+849 bps
Non-Interest Burden-7.73%-3.76%-9.93%-8.19%-4.45%+328 bps
Growth
Asset Growth (YoY)3.11%2.69%4.07%1.98%2.85%-26 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/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 Capital397%397%394%383%379%-1,845 bps
Equity / Assets96.80%97.34%97.12%96.22%96.49%-31 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets0.41%1.13%4.90%5.78%3.94%+354 bps
CRE / Total Capitaln/an/an/an/an/an/an/a