PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Family Capital Trust Company, National Association

Boston, MA · Cert 57407

FDIC

Q4 2009

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

Executive Summary

  • Earnings: ROA of -6.82%, down 650 bps year over year; NIM at 0.39%.

Return on Assets (quarter, annualized)

-6.82%-650 bps YoY

Net Interest Margin (quarter, annualized)

0.39%-162 bps YoY

Efficiency Ratio (quarter, annualized)

114.56%+1,872 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

3.25%Q4 ’072.01%Q4 ’080.39%Q4 ’09-38%-80%

Non-interest income vs. expense

52.87%Q4 ’0738.88%Q4 ’0850.59%Q4 ’09+110%+2024%

Discrete quarter, annualized.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets7.57%4.07%15.24%-0.32%2.37%13.51%2.90%-6.82%-650 bps
Return on Equity7.85%4.24%16.07%-0.34%2.44%13.90%3.00%-7.08%-675 bps
Net Interest Margin3.20%2.49%2.42%2.01%1.31%0.64%0.63%0.39%-162 bps
Efficiency Ratio76.44%84.16%67.37%95.84%87.14%68.76%85.60%114.56%+1,872 bps
Non-Interest Burden-9.84%-5.74%-16.37%0.32%-3.76%-16.16%-5.25%6.82%+650 bps
Growth
Asset Growth (YoY)4.44%2.46%4.19%3.11%2.69%4.07%1.98%2.85%-26 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital485%472%354%397%397%394%383%379%-1,845 bps
Equity / Assets97.10%95.03%94.64%96.80%97.34%97.12%96.22%96.49%-31 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets21.35%21.88%4.04%0.41%1.13%4.90%5.78%3.94%+354 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a