Wilmington, MA · Charter 11884
Q2 2015
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.10% | -0.09% | 0.21% | 0.04% | -0.03% | -0.07% | -0.69% | -1.10% | -114 bps | |
| Return on Equity | -1.07% | -0.91% | 2.17% | 0.40% | -0.28% | -0.75% | -7.20% | -11.96% | -1,236 bps | |
| Net Interest Margin | 2.97% | 2.98% | 2.71% | 2.75% | 2.81% | 2.80% | 2.57% | 2.53% | -21 bps | |
| Efficiency Ratio | 97.74% | 98.25% | 91.34% | 96.26% | 98.13% | 99.42% | 115.65% | 128.58% | +3,232 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.47% | -6.18% | -7.27% | -1.54% | -3.17% | -2.03% | -3.09% | -3.83% | -229 bps | |
| Loan Growth (YoY) | -10.37% | -12.33% | -8.28% | -10.75% | -9.48% | -7.55% | -10.53% | -8.65% | +210 bps | |
| Share Growth (YoY) | -7.03% | -6.73% | -7.76% | -1.46% | -3.40% | -1.90% | -3.18% | -3.46% | -200 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.35% | 0.67% | 0.33% | 0.95% | 1.38% | 0.78% | 0.00% | -33 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 | 1.07% | 1.12% | 1.08% | 1.10% | 1.03% | 1.10% | 0.85% | 0.28% | -83 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.41% | 9.55% | 9.54% | 9.45% | 9.68% | 9.68% | 9.54% | 9.19% | -27 bps | |
| Net Worth / Assets | 9.41% | 9.55% | 9.54% | 9.45% | 9.68% | 9.68% | 9.54% | 9.19% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.92% | 35.06% | 33.13% | 32.43% | 32.72% | 33.04% | 30.62% | 30.69% | -174 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |