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Agawam

Agawam, MA · Charter 11018

Q1 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2007, the quarter ended March 31, 2007, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Agawam

Agawam, MA · Charter 11018

Q1 2007

$19.8MAssets
$4.4MLoans
$17.5MShares
$2.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.61%, up 28 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 0.03% of loans (-15 bps YoY).
  • Capital: net worth / assets of 11.64%, up 44 bps from a year ago.
  • Funding: loans stand at 25.02% of shares as of Q1 2007.

Return on Assets (YTD, annualized)

0.61%+28 bps YoY

Net Interest Margin (YTD, annualized)

2.64%+27 bps YoY

Efficiency Ratio (YTD, annualized)

76.31%-760 bps YoY

Net Worth / Assets

11.64%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets0.48%0.33%0.26%0.32%0.37%0.43%0.26%0.61%+28 bps
Return on Equity4.39%2.96%2.36%2.88%3.25%3.62%2.23%5.21%+233 bps
Net Interest Margin2.27%2.22%2.35%2.37%2.37%2.51%2.43%2.64%+27 bps
Efficiency Ratio79.05%85.09%89.03%83.91%82.76%81.78%88.12%76.31%-760 bps
Growth
Asset Growth (YoY)-3.98%-4.25%-3.00%-6.15%-7.90%-8.06%-4.50%-0.98%+517 bps
Loan Growth (YoY)-11.08%-11.09%-8.89%-3.85%2.95%7.62%7.22%5.84%+969 bps
Share Growth (YoY)-4.72%-4.96%-3.64%-7.11%-9.05%-9.43%-5.42%-0.87%+624 bps
Asset Quality
Delinquent Loans / Loans0.41%0.51%0.77%0.18%0.06%0.00%0.02%0.03%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.10%1.12%0.97%0.70%0.76%0.70%0.67%0.70%0 bps
Capital
Risk-Based Capital10.87%11.19%10.84%11.20%11.43%11.92%11.61%11.64%+44 bps
Net Worth / Assets10.87%11.19%10.84%11.20%11.43%11.92%11.61%11.64%+44 bps
Liquidity & Funding
Loans / Shares21.43%21.94%22.91%23.44%24.26%26.07%25.98%25.02%+159 bps
Liquid Assets / Assets44.73%35.09%39.98%47.61%0.00%0.00%0.00%0.00%-4,761 bps