Dorchester, MA · Charter 14378
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, 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.
Dorchester, MA · Charter 14378
Q2 2013
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.71% | -2.42% | -0.54% | -0.64% | -1.15% | -2.32% | 0.41% | 0.06% | +69 bps | |
| Return on Equity | -58.23% | -52.70% | -11.15% | -13.48% | -27.93% | -89.22% | 14.37% | 1.86% | +1,535 bps | |
| Net Interest Margin | 3.90% | 4.16% | 4.23% | 4.08% | 3.89% | 3.76% | 3.44% | 3.65% | -44 bps | |
| Efficiency Ratio | 103.48% | 101.03% | 107.37% | 110.60% | 108.70% | 107.72% | 107.34% | 109.50% | -111 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.06% | -5.28% | -6.67% | -3.82% | -11.82% | -6.85% | -5.26% | -11.61% | -779 bps | |
| Loan Growth (YoY) | 10.85% | 25.91% | 36.55% | 19.26% | 8.12% | -9.98% | -14.29% | -17.81% | -3,706 bps | |
| Share Growth (YoY) | 8.75% | 6.68% | -1.86% | -2.82% | -2.88% | 0.50% | -3.11% | -9.95% | -713 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.69% | 1.41% | 2.05% | 1.51% | 1.69% | 0.73% | 0.95% | 0.58% | -93 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 | 1.73% | 1.50% | 1.54% | 1.63% | 1.68% | 3.58% | 3.69% | 3.81% | +218 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 4.65% | 4.59% | 4.80% | 4.73% | 4.10% | 2.60% | 2.86% | 3.05% | -168 bps | |
| Net Worth / Assets | 4.65% | 4.59% | 4.80% | 4.73% | 4.10% | 2.60% | 2.86% | 3.05% | -168 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.72% | 60.28% | 61.43% | 63.23% | 56.46% | 54.00% | 54.35% | 57.71% | -552 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |