Brookline, MA · Charter 67732
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.
Brookline, MA · Charter 67732
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 | 0.34% | 0.58% | 0.36% | 0.19% | -0.18% | 0.12% | -1.00% | -44.29% | -4,448 bps | |
| Return on Equity | 1.55% | 2.72% | 1.82% | 0.97% | -0.90% | 0.59% | -4.89% | -15457% | -1,545,839 bps | |
| Net Interest Margin | 2.84% | 3.04% | 2.56% | 2.42% | 2.38% | 2.26% | 2.69% | -35.71% | -3,814 bps | |
| Efficiency Ratio | 88.21% | 80.98% | 86.21% | 92.25% | 107.44% | 94.85% | 137.12% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.62% | 6.57% | 13.31% | 15.56% | 12.54% | 7.72% | -3.90% | -10.99% | -2,655 bps | |
| Loan Growth (YoY) | 6.40% | 8.61% | -11.14% | -33.79% | -38.61% | -43.47% | -40.77% | -38.17% | -438 bps | |
| Share Growth (YoY) | 5.20% | 7.37% | 16.04% | 18.93% | 15.53% | 9.53% | -4.71% | 10.26% | -867 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.97% | 2.86% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 4.67% | 4.77% | 3.10% | 3.94% | 4.12% | 4.57% | 5.23% | 2.15% | -179 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.87% | 21.43% | 19.85% | 19.51% | 19.79% | 20.11% | 20.52% | 0.29% | -1,922 bps | |
| Net Worth / Assets | 21.87% | 21.43% | 19.85% | 19.51% | 19.79% | 20.11% | 20.52% | 0.29% | -1,922 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.37% | 36.09% | 27.22% | 20.82% | 20.39% | 18.63% | 16.92% | 11.67% | -914 bps | |
| Liquid Assets / Assets | 70.57% | 72.15% | 76.98% | 81.99% | 82.43% | 83.82% | 85.28% | 86.52% | +453 bps | |