Medway, MA · Cert 90238
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.16% | -0.07% | 0.23% | -2.37% | -7.80% | 2.11% | -0.32% | -3.66% | -129 bps | |
| Return on Equity | -2.23% | -0.95% | 3.20% | -34.57% | -138.22% | 41.00% | -5.72% | -69.69% | -3,511 bps | |
| Net Interest Margin | 2.49% | 2.64% | 2.73% | 2.76% | 2.84% | 2.74% | 2.63% | 2.74% | -2 bps | |
| Efficiency Ratio | 96.01% | 94.53% | 91.78% | 96.04% | 97.75% | 103.87% | 105.73% | 395% | +29,867 bps | |
| Non-Interest Burden | 2.37% | 2.47% | 2.47% | 2.63% | 2.77% | 2.86% | 2.81% | 5.49% | +285 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.55% | 0.39% | 1.87% | -0.07% | -2.65% | -6.43% | -10.68% | -10.73% | -1,065 bps | |
| Loan Growth (YoY) | 0.96% | 0.74% | 0.97% | -0.72% | -0.17% | -3.80% | -6.83% | -11.60% | -1,088 bps | |
| Deposit Growth (YoY) | -3.85% | -1.23% | -4.17% | -5.14% | 1.44% | -6.29% | -5.50% | -6.35% | -121 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 | 0.35% | 1.21% | 0.02% | 4.26% | 0.14% | 0.17% | 0.10% | 0.34% | -392 bps | |
| Allowance / Loans | 1.02% | 0.84% | 0.89% | 1.00% | 1.06% | 1.10% | 1.17% | 2.30% | +130 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 | 10.75% | 10.54% | 10.41% | 10.08% | 8.01% | 8.01% | 8.03% | 6.35% | -373 bps | |
| Equity / Assets | 7.30% | 7.33% | 7.16% | 6.55% | 4.70% | 5.59% | 5.58% | 4.92% | -163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 127.25% | 129.04% | 128.57% | 126.48% | 125.23% | 132.47% | 126.76% | 119.40% | -708 bps | |
| Liquid Assets / Assets | 0.34% | 0.32% | 0.39% | 0.37% | 0.36% | 0.36% | 0.36% | 0.34% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |