Framingham, MA · Cert 90199
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, 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.
Framingham, MA · Cert 90199
FDIC
Q3 2001
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 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.09% | 1.11% | 1.12% | 1.25% | 1.14% | 1.05% | 1.00% | -12 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.12% | 3.98% | 3.76% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 57.82% | 59.92% | 60.81% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 2.21% | 2.22% | 2.12% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.45% | 12.52% | 13.14% | 15.55% | 15.66% | 15.41% | 13.20% | 10.73% | -481 bps | |
| Loan Growth (YoY) | 11.43% | 7.49% | 6.43% | 6.37% | 8.68% | 12.70% | 13.13% | 10.09% | +373 bps | |
| Deposit Growth (YoY) | 3.01% | 4.22% | 9.52% | 16.76% | 17.77% | 15.17% | 12.07% | 8.77% | -799 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 | n/a | n/a | n/a | n/a | n/a | -0.05% | -0.06% | -0.04% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 1.52% | 1.49% | 1.54% | n/a | |
| 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 | n/a | n/a | n/a | n/a | n/a | 10.65% | 10.59% | 10.73% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 6.86% | 6.84% | 6.80% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.14% | 83.91% | 84.01% | 81.25% | 80.42% | 82.12% | 84.81% | 82.24% | +99 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 26.57% | 26.06% | 27.24% | +2,724 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |