Fall River, MA · Charter 10110
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Fall River, MA · Charter 10110
Q1 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.46% | 0.67% | -0.18% | -1.19% | -0.57% | -0.99% | -0.62% | -0.87% | +32 bps | |
| Return on Equity | -16.13% | 4.32% | -1.21% | -8.46% | -4.09% | -7.75% | -4.66% | -6.56% | +191 bps | |
| Net Interest Margin | 4.54% | 3.99% | 4.07% | 3.62% | 3.75% | 3.62% | 3.79% | 3.42% | -20 bps | |
| Efficiency Ratio | 104.45% | 105.61% | 104.28% | 120.25% | 113.16% | 118.68% | 117.09% | 123.42% | +317 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.83% | -9.28% | -6.29% | -3.84% | 3.61% | 9.34% | 6.57% | 2.10% | +595 bps | |
| Loan Growth (YoY) | -17.94% | -18.43% | -8.07% | -13.22% | -10.77% | -11.58% | -16.29% | -10.12% | +310 bps | |
| Share Growth (YoY) | -8.06% | -9.32% | -5.37% | -1.69% | 5.36% | 13.05% | 9.08% | 3.16% | +485 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.49% | 2.10% | 1.03% | 5.11% | 4.42% | 3.03% | 4.98% | +395 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.69% | 1.69% | 1.61% | 1.34% | 1.45% | 1.49% | 0.73% | 0.78% | -55 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.28% | 15.41% | 15.14% | 14.04% | 13.99% | 12.75% | 13.25% | 13.28% | -76 bps | |
| Net Worth / Assets | 15.28% | 15.41% | 15.14% | 14.04% | 13.99% | 12.75% | 13.25% | 13.28% | -76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.45% | 70.74% | 68.75% | 60.02% | 60.51% | 55.33% | 52.76% | 52.29% | -773 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |