Ipswich, MA · Cert 90216
FDIC
Q2 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.94% | 0.93% | 0.97% | 1.15% | 1.04% | 0.73% | 0.91% | -5 bps | |
| Return on Equity | n/a | n/a | n/a | 18.11% | 20.92% | 18.70% | 13.13% | 15.84% | -227 bps | |
| Net Interest Margin | n/a | n/a | 3.15% | 3.18% | 3.48% | 3.50% | 3.46% | 3.40% | +21 bps | |
| Efficiency Ratio | n/a | n/a | 62.46% | 67.92% | 59.11% | 63.60% | 67.02% | 62.39% | -553 bps | |
| Non-Interest Burden | n/a | n/a | 1.68% | 1.89% | 1.67% | 1.86% | 1.95% | 1.87% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.97% | 4.17% | 3.82% | 1.30% | 5.19% | 11.52% | 11.11% | 8.39% | +708 bps | |
| Loan Growth (YoY) | 8.12% | 7.73% | 6.31% | 2.32% | 3.95% | 5.97% | -4.60% | -7.64% | -996 bps | |
| Deposit Growth (YoY) | 10.67% | 12.85% | 11.24% | 9.13% | 9.33% | 5.63% | 5.02% | 3.03% | -610 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 | 0.05% | -0.26% | -0.12% | -0.08% | 0.01% | 0.04% | +30 bps | |
| Allowance / Loans | n/a | n/a | 0.87% | 0.94% | 0.96% | 0.97% | 1.08% | 1.12% | +18 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 | n/a | n/a | 10.36% | 10.69% | 10.94% | 11.05% | 11.89% | 12.44% | +175 bps | |
| Equity / Assets | n/a | n/a | 5.33% | 5.35% | 5.65% | 5.52% | 5.55% | 5.96% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.21% | 86.33% | 85.57% | 84.95% | 85.77% | 86.61% | 77.72% | 76.16% | -879 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 10.00% | 10.46% | 9.78% | 11.10% | 10.47% | 10.11% | -34 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |