Agawam, MA · Charter 11018
Q1 2007
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.33% | 0.26% | 0.32% | 0.37% | 0.43% | 0.26% | 0.61% | +28 bps | |
| Return on Equity | 4.39% | 2.96% | 2.36% | 2.88% | 3.25% | 3.62% | 2.23% | 5.21% | +233 bps | |
| Net Interest Margin | 2.27% | 2.22% | 2.35% | 2.37% | 2.37% | 2.51% | 2.43% | 2.64% | +27 bps | |
| Efficiency Ratio | 79.05% | 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 / Loans | 0.41% | 0.51% | 0.77% | 0.18% | 0.06% | 0.00% | 0.02% | 0.03% | -15 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 | 1.10% | 1.12% | 0.97% | 0.70% | 0.76% | 0.70% | 0.67% | 0.70% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.87% | 11.19% | 10.84% | 11.20% | 11.43% | 11.92% | 11.61% | 11.64% | +44 bps | |
| Net Worth / Assets | 10.87% | 11.19% | 10.84% | 11.20% | 11.43% | 11.92% | 11.61% | 11.64% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.43% | 21.94% | 22.91% | 23.44% | 24.26% | 26.07% | 25.98% | 25.02% | +159 bps | |
| Liquid Assets / Assets | 44.73% | 35.09% | 39.98% | 47.61% | 0.00% | 0.00% | 0.00% | 0.00% | -4,761 bps | |