Attleboro, MA · Charter 13727
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Attleboro, MA · Charter 13727
Q1 2009
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.15% | 0.15% | -1.14% | -1.10% | -0.86% | -0.50% | -0.93% | +21 bps | |
| Return on Equity | 2.52% | 1.17% | 1.17% | -10.01% | -9.93% | -7.97% | -4.39% | -8.64% | +138 bps | |
| Net Interest Margin | 3.44% | 3.50% | 3.34% | 2.76% | 2.78% | 2.87% | 3.16% | 3.23% | +47 bps | |
| Efficiency Ratio | 94.76% | 97.35% | 96.65% | 123.29% | 124.11% | 120.30% | 108.21% | 92.08% | -3,121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.54% | -5.79% | -6.21% | 7.58% | 8.35% | 11.20% | 5.43% | -3.56% | -1,114 bps | |
| Loan Growth (YoY) | 16.77% | -0.83% | -4.91% | -6.33% | 3.08% | 9.46% | 9.31% | 14.81% | +2,114 bps | |
| Share Growth (YoY) | -8.05% | -2.27% | 6.72% | 14.99% | 14.72% | 3.08% | -14.10% | -15.08% | -3,006 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.29% | 3.41% | 1.62% | 2.72% | 3.26% | 1.38% | 1.80% | +18 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 | 0.04% | 0.05% | 0.03% | 0.10% | 0.12% | 0.09% | 0.11% | 0.24% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.25% | 12.86% | 12.54% | 11.41% | 11.08% | 10.82% | 11.29% | 10.80% | -61 bps | |
| Net Worth / Assets | 12.25% | 12.86% | 12.54% | 11.41% | 11.08% | 10.82% | 11.29% | 10.80% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.35% | 101.11% | 95.05% | 83.77% | 90.17% | 107.37% | 120.95% | 113.25% | +2,948 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |