Boston, MA · Charter 67866
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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 67866
Q2 2012
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.88% | -2.06% | -2.21% | -1.19% | -1.14% | -0.66% | 0.18% | 0.20% | +139 bps | |
| Return on Equity | -9.37% | -27.70% | -30.74% | -15.92% | -15.66% | -8.28% | 2.47% | 2.63% | +1,855 bps | |
| Net Interest Margin | 4.48% | 4.15% | 4.13% | 4.10% | 4.03% | 4.12% | 3.28% | 3.23% | -87 bps | |
| Efficiency Ratio | 81.89% | 81.16% | 89.31% | 84.06% | 90.14% | 88.47% | 90.91% | 93.10% | +905 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.33% | 8.40% | 7.95% | 2.96% | -0.95% | -11.88% | -3.88% | -2.21% | -517 bps | |
| Loan Growth (YoY) | -7.79% | -11.15% | -23.22% | -25.21% | -30.14% | -27.57% | -20.83% | -16.31% | +890 bps | |
| Share Growth (YoY) | 10.53% | 11.53% | 11.29% | 4.10% | 0.73% | -12.23% | -4.14% | -1.32% | -542 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.75% | 5.28% | 2.43% | 3.57% | 2.32% | 0.84% | 0.90% | 0.61% | -296 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 | 1.74% | 3.88% | 4.14% | 4.54% | 4.50% | 4.07% | 4.34% | 3.99% | -55 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.38% | 7.45% | 7.18% | 7.46% | 7.28% | 7.92% | 7.47% | 7.71% | +25 bps | |
| Net Worth / Assets | 9.38% | 7.45% | 7.18% | 7.46% | 7.28% | 7.92% | 7.47% | 7.71% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.41% | 61.26% | 53.97% | 54.10% | 49.53% | 50.55% | 44.57% | 45.88% | -822 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |