Westfield, MA · Charter 14526
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Westfield, MA · Charter 14526
Q3 2005
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | -0.25% | -0.46% | -0.47% | -0.49% | 0.05% | 0.26% | 0.39% | +86 bps | |
| Return on Equity | 0.60% | -2.43% | -4.60% | -4.61% | -4.81% | 0.49% | 2.59% | 3.76% | +837 bps | |
| Net Interest Margin | 2.71% | 3.05% | 2.84% | 2.91% | 3.01% | 3.10% | 3.21% | 3.44% | +53 bps | |
| Efficiency Ratio | 92.41% | 107.28% | 113.59% | 111.72% | 107.41% | 96.48% | 89.67% | 87.23% | -2,449 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 40.40% | 40.61% | 39.13% | 37.60% | 1.10% | -1.98% | -1.03% | -2.37% | -3,997 bps | |
| Loan Growth (YoY) | 23.55% | 29.07% | 32.61% | 32.56% | -3.90% | -8.01% | -9.01% | -14.03% | -4,659 bps | |
| Share Growth (YoY) | 45.87% | 44.70% | 44.93% | 43.80% | 1.37% | -1.13% | -1.29% | -3.84% | -4,764 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.85% | 0.39% | 0.33% | 0.46% | 1.10% | 0.99% | 0.81% | +48 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 | 0.26% | 0.46% | 0.25% | 0.13% | 0.41% | 0.41% | 0.54% | 0.58% | +45 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.71% | 10.17% | 9.93% | 10.09% | 10.12% | 9.98% | 9.93% | 10.50% | +41 bps | |
| Net Worth / Assets | 10.71% | 10.17% | 9.93% | 10.09% | 10.12% | 9.98% | 9.93% | 10.50% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.87% | 51.26% | 50.10% | 52.40% | 51.07% | 47.69% | 46.19% | 46.84% | -555 bps | |
| Liquid Assets / Assets | 40.32% | 46.30% | 48.05% | 45.20% | 47.52% | 50.46% | 0.37% | 46.63% | +143 bps | |