Foxborough, MA · Cert 90198
FDIC
Q1 2004
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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.16% | 2.20% | 2.09% | 0.30% | 1.57% | 1.66% | 0.66% | 1.34% | +104 bps | |
| Return on Equity | 18.12% | 18.13% | 17.09% | 2.38% | 12.39% | 13.15% | 5.40% | 11.91% | +953 bps | |
| Net Interest Margin | 5.06% | 4.92% | 5.03% | 4.86% | 4.67% | 4.62% | 4.37% | 4.59% | -27 bps | |
| Efficiency Ratio | 40.49% | 39.08% | 42.39% | 38.25% | 40.56% | 40.62% | 73.82% | 59.73% | +2,148 bps | |
| Non-Interest Burden | 1.80% | 1.66% | 1.86% | 1.40% | 1.45% | 1.51% | 3.06% | 2.60% | +119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.65% | 4.88% | 4.82% | 2.69% | 1.24% | 9.79% | 11.81% | 10.12% | +743 bps | |
| Loan Growth (YoY) | -3.14% | -7.11% | -9.13% | -12.05% | -14.50% | -7.81% | 1.15% | 9.38% | +2,143 bps | |
| Deposit Growth (YoY) | 8.82% | 7.60% | 4.59% | 5.28% | 5.23% | 12.04% | 13.78% | 9.52% | +424 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% | -0.03% | -0.02% | 0.00% | 0.04% | 0.01% | 0.01% | -0.02% | -2 bps | |
| Allowance / Loans | 0.48% | 0.53% | 0.57% | 0.60% | 0.60% | 0.60% | 0.59% | 0.56% | -4 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 | 20.71% | 22.32% | 21.80% | 21.42% | 22.12% | 23.00% | 20.60% | 20.64% | -78 bps | |
| Equity / Assets | 12.12% | 12.73% | 12.62% | 12.37% | 13.02% | 12.45% | 11.09% | 11.41% | -96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.08% | 88.90% | 83.62% | 79.41% | 76.45% | 73.15% | 74.34% | 79.31% | -11 bps | |
| Liquid Assets / Assets | 3.70% | 2.48% | 1.06% | 4.02% | 1.56% | 1.06% | 2.24% | 2.29% | -174 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |