PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

People's Savings Bank of Brockton

South Easton, MA · Cert 90171

FDIC

Q4 2001

$913.8MAssets
$539.9MLoans
$564.7MDeposits
$61.1MEquity
Loan mix
86%RE $418.3M14%C&I $67.8M0%Consumer $0.5MQ4 2000Q4 2001
Deposit mix
91%Interest-bearing $516.5M9%Noninterest $48.2MQ4 2000Q4 2001

NIM

7.39%Q1 ’017.29%Q3 ’017.10%Q4 ’01+8%-1%

Non-interest income vs. expense

2.53%Q1 ’013.14%Q3 ’013.21%Q4 ’01+7%-7%

Executive Summary

  • Earnings: ROA of 0.45%, down 43 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.06%.
  • Funding: loans stand at 95.60% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

0.45%-43 bps YoY

Net Interest Margin (YTD, annualized)

2.93%

Efficiency Ratio (YTD, annualized)

67.70%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.88%0.66%0.66%0.66%0.45%-43 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a2.74%2.99%2.94%2.93%n/a
Efficiency Ration/a65.49%66.98%68.49%67.70%n/a
Non-Interest Burdenn/a1.40%1.49%1.50%1.40%n/a
Growth
Asset Growth (YoY)-6.40%-11.75%-15.37%-13.83%-8.82%-242 bps
Loan Growth (YoY)-0.69%11.20%2.48%0.43%24.43%+2,512 bps
Deposit Growth (YoY)11.17%0.02%-9.00%-6.98%-9.86%-2,102 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.04%0.01%0.03%-0.06%n/a
Allowance / Loansn/a0.85%0.90%0.93%0.75%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/a13.97%13.88%14.31%14.46%n/a
Equity / Assetsn/a5.84%5.97%6.51%6.68%n/a
Liquidity & Funding
Loans / Deposits69.26%81.30%79.10%75.84%95.60%+2,634 bps
Liquid Assets / Assets0.00%0.00%0.00%0.01%0.11%+11 bps
CRE / Total Capitaln/an/an/an/an/an/an/a