Waltham, MA · Charter 67685
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
Waltham, MA · Charter 67685
Q2 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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.64% | 0.85% | 0.22% | -1.62% | -1.78% | -3.25% | -1.58% | -5.88% | -427 bps | |
| Return on Equity | 10.50% | 5.44% | 1.42% | -11.42% | -13.41% | -26.93% | -14.29% | -50.80% | -3,938 bps | |
| Net Interest Margin | 5.22% | 4.79% | 4.39% | 2.34% | 2.41% | 2.48% | 2.75% | 3.40% | +106 bps | |
| Efficiency Ratio | 67.17% | 81.07% | 87.24% | 160.27% | 163.33% | 208% | 142.26% | 243% | +8,311 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.39% | -10.19% | -3.05% | 5.12% | 7.92% | -1.87% | 4.79% | -23.18% | -2,830 bps | |
| Loan Growth (YoY) | 14.97% | 18.85% | 6.51% | -11.41% | -16.20% | -5.05% | -2.53% | 6.74% | +1,815 bps | |
| Share Growth (YoY) | -11.00% | -14.36% | -5.68% | 5.25% | 10.92% | 1.39% | 9.60% | -21.59% | -2,684 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.51% | 4.42% | 3.07% | 2.37% | 2.17% | 1.59% | 3.46% | +39 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 | 0.43% | 0.00% | 1.05% | 0.25% | 0.32% | 0.46% | 0.14% | 0.21% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.65% | 15.64% | 15.32% | 14.16% | 13.27% | 12.08% | 11.04% | 11.58% | -258 bps | |
| Net Worth / Assets | 15.65% | 15.64% | 15.32% | 14.16% | 13.27% | 12.08% | 11.04% | 11.58% | -258 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.10% | 66.35% | 62.94% | 50.41% | 55.22% | 62.13% | 55.97% | 68.63% | +1,821 bps | |
| Liquid Assets / Assets | 35.04% | 32.66% | 42.73% | 52.87% | 48.83% | 42.66% | 46.58% | 38.20% | -1,467 bps | |