Boston, MA · Charter 67950
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.
Boston, MA · Charter 67950
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 | 0.46% | 0.57% | 0.35% | -0.39% | -0.13% | -0.41% | -1.67% | -2.44% | -205 bps | |
| Return on Equity | 2.60% | 3.84% | 2.44% | -3.30% | -1.07% | -3.47% | -19.56% | -30.71% | -2,741 bps | |
| Net Interest Margin | 5.89% | 5.09% | 5.03% | 4.15% | 4.14% | 4.35% | 3.56% | 3.43% | -73 bps | |
| Efficiency Ratio | 92.96% | 90.63% | 94.27% | 101.98% | 99.05% | 94.68% | 132.01% | 146.28% | +4,429 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.55% | 6.78% | 26.75% | 39.35% | 51.30% | 23.83% | 30.35% | 5.74% | -3,362 bps | |
| Loan Growth (YoY) | 13.22% | 37.44% | 46.08% | 48.11% | 27.47% | 15.23% | -1.72% | -9.11% | -5,722 bps | |
| Share Growth (YoY) | 6.10% | 9.60% | 31.55% | 46.82% | 62.22% | 27.98% | 39.26% | 9.96% | -3,686 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.23% | 4.12% | 2.31% | 3.64% | 6.13% | 2.47% | 1.98% | 2.52% | -112 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 | 2.23% | 1.38% | 1.07% | 1.65% | 1.49% | 1.51% | 1.72% | 1.85% | +21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.70% | 14.91% | 14.52% | 11.87% | 11.89% | 11.71% | 8.53% | 7.94% | -393 bps | |
| Net Worth / Assets | 17.70% | 14.91% | 14.52% | 11.87% | 11.89% | 11.71% | 8.53% | 7.94% | -393 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.71% | 56.78% | 60.28% | 50.08% | 50.06% | 51.13% | 42.55% | 41.39% | -868 bps | |
| Liquid Assets / Assets | 45.33% | 48.22% | 44.67% | 53.26% | 53.04% | 50.48% | 58.44% | 57.21% | +395 bps | |