Westborough, MA · Cert 90299
FDIC
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.28% | -0.13% | 0.08% | 0.06% | -0.03% | -0.39% | -0.21% | -28 bps | |
| Return on Equity | 3.26% | 2.80% | -1.37% | 0.84% | 0.63% | -0.27% | -4.22% | -2.24% | -309 bps | |
| Net Interest Margin | 2.91% | 2.78% | 2.53% | 2.49% | 2.51% | 2.46% | 2.39% | 2.36% | -13 bps | |
| Efficiency Ratio | 88.39% | 89.80% | 109.27% | 98.89% | 100.28% | 103.52% | 122.22% | 115.15% | +1,626 bps | |
| Non-Interest Burden | 2.53% | 2.46% | 2.79% | 2.46% | 2.52% | 2.55% | 2.98% | 2.76% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.38% | 11.32% | 9.86% | 6.76% | 3.16% | -0.15% | -2.19% | -0.66% | -742 bps | |
| Loan Growth (YoY) | 21.07% | 20.42% | 14.52% | 13.32% | 4.60% | 0.95% | -0.27% | -1.93% | -1,525 bps | |
| Deposit Growth (YoY) | -0.62% | 2.74% | 3.87% | -0.51% | 0.41% | -3.10% | -4.76% | -0.50% | +1 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 | -0.01% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.39% | 0.37% | 0.37% | 0.37% | 0.37% | 0.38% | 0.40% | 0.42% | +5 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 | 19.22% | 17.02% | 18.46% | 17.47% | 17.78% | 15.06% | 16.36% | 16.30% | -118 bps | |
| Equity / Assets | 9.66% | 9.37% | 9.23% | 9.33% | 9.32% | 9.30% | 9.21% | 9.09% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.47% | 97.34% | 94.59% | 98.18% | 99.47% | 101.41% | 99.05% | 96.77% | -141 bps | |
| Liquid Assets / Assets | 0.02% | 0.07% | 0.12% | 0.10% | 0.12% | 0.09% | 0.11% | 0.09% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |