East Bridgewater, MA · Cert 90187
FDIC
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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.
East Bridgewater, MA · Cert 90187
FDIC
Q4 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01%1 | 0.04%1 | 0.05%1 | -0.17% | 0.13%1 | -0.17% | -0.22% | 0.32%1 | +48 bps | |
| Return on Equity | 0.09% | 0.36% | 0.53% | -1.73% | 1.52% | -1.97% | -2.54% | 3.65% | +539 bps | |
| Net Interest Margin | 1.94% | 1.95% | 1.99% | 2.06% | 2.13% | 1.97% | 1.94% | 1.85% | -21 bps | |
| Efficiency Ratio | 109.16% | 103.85% | 100.93% | 100.56% | 102.98% | 115.30% | 115.95% | 136.20% | +3,563 bps | |
| Non-Interest Burden | 2.13% | 2.03% | 2.01% | 2.07% | 2.20% | 2.30% | 2.27% | 2.58% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.85% | 9.10% | 10.00% | 7.96% | 7.70% | 3.34% | 1.82% | 3.98% | -398 bps | |
| Loan Growth (YoY) | 7.28% | 4.02% | 1.91% | 4.94% | -1.50% | 0.16% | 13.16% | 15.42% | +1,048 bps | |
| Deposit Growth (YoY) | -3.28% | -4.61% | -0.39% | -1.16% | 2.09% | 6.09% | 1.46% | 3.71% | +487 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.29% | 1.30% | 1.32% | 1.30% | 1.31% | 1.30% | 1.16% | 1.13% | -17 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 29.11% | 31.25% | 27.96% | 31.83% | 32.17% | 31.70% | 30.64% | 30.87% | -96 bps | |
| Equity / Assets | 10.16% | 9.61% | 9.50% | 8.81% | 8.66% | 8.42% | 8.36% | 8.96% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 33.54% | 33.76% | 32.55% | 33.62% | 32.36% | 31.87% | 36.30% | 37.41% | +380 bps | |
| Liquid Assets / Assets | 47.29% | 53.88% | 54.69% | 61.81% | 59.17% | 56.42% | 57.39% | 0.11% | -6,170 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |