Boston, MA · Charter 67598
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Boston, MA · Charter 67598
Q2 2005
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.87% | -0.64% | 0.03% | -0.75% | -0.62% | -0.83% | -0.40% | -0.45% | +30 bps | |
| Return on Equity | -7.58% | -5.49% | 0.22% | -6.42% | -5.30% | -6.75% | -3.39% | -3.60% | +282 bps | |
| Net Interest Margin | 2.06% | 2.22% | 2.64% | 2.59% | 2.71% | 2.92% | 2.85% | 3.00% | +41 bps | |
| Efficiency Ratio | 140.92% | 128.25% | 99.03% | 128.12% | 107.97% | 112.56% | 113.92% | 114.70% | -1,342 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.31% | -6.08% | -10.83% | -9.47% | -5.52% | -10.19% | -8.33% | -11.29% | -182 bps | |
| Loan Growth (YoY) | -23.60% | -16.64% | -16.42% | 19.57% | 23.39% | 24.57% | 41.62% | 2.65% | -1,692 bps | |
| Share Growth (YoY) | -8.21% | -5.75% | -11.14% | -9.83% | -8.21% | -10.29% | -7.84% | -11.54% | -171 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.02% | 2.20% | 0.91% | 0.00% | 0.21% | 0.00% | 0.46% | 0.77% | +77 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 | 0.23% | 0.27% | 0.38% | 0.32% | 0.61% | 1.08% | 1.17% | 1.95% | +163 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.44% | 11.74% | 11.72% | 11.63% | 11.67% | 12.24% | 11.87% | 12.45% | +82 bps | |
| Net Worth / Assets | 11.44% | 11.74% | 11.72% | 11.63% | 11.67% | 12.24% | 11.87% | 12.45% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 17.47% | 18.05% | 15.99% | 21.80% | 23.49% | 25.07% | 24.57% | 25.30% | +350 bps | |
| Liquid Assets / Assets | 3.78% | 9.59% | 22.96% | 19.50% | 17.15% | 17.61% | 13.88% | 42.27% | +2,277 bps | |