Boston, MA · Cert 57407
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.32% | 2.37% | 13.51% | 2.90% | -6.82% | -650 bps | |
| Return on Equity | -0.34% | 2.44% | 13.90% | 3.00% | -7.08% | -675 bps | |
| Net Interest Margin | 2.01% | 1.31% | 0.64% | 0.63% | 0.39% | -162 bps | |
| Efficiency Ratio | 95.84% | 87.14% | 68.76% | 85.60% | 114.56% | +1,872 bps | |
| Non-Interest Burden | 0.32% | -3.76% | -16.16% | -5.25% | 6.82% | +650 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.11% | 2.69% | 4.07% | 1.98% | 2.85% | -26 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 | 397% | 397% | 394% | 383% | 379% | -1,845 bps | |
| Equity / Assets | 96.80% | 97.34% | 97.12% | 96.22% | 96.49% | -31 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.41% | 1.13% | 4.90% | 5.78% | 3.94% | +354 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |