Williamstown, MA · Charter 15398
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 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.
Williamstown, MA · Charter 15398
Q2 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.63% | -0.63% | -0.65% | -4.11% | -3.11% | -3.14% | -0.58% | -0.39% | +372 bps | |
| Return on Equity | -5.76% | -5.99% | -6.54% | -51.30% | -37.12% | -44.46% | -8.73% | -5.63% | +4,567 bps | |
| Net Interest Margin | 3.88% | 3.79% | 3.40% | 3.62% | 3.99% | 4.57% | 3.95% | 4.02% | +39 bps | |
| Efficiency Ratio | 115.93% | 116.30% | 118.83% | 107.28% | 104.76% | 109.60% | 113.74% | 108.73% | +145 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.98% | 0.39% | -4.76% | -1.94% | -0.46% | -10.42% | -9.89% | -14.02% | -1,208 bps | |
| Loan Growth (YoY) | -1.33% | 3.06% | 5.57% | -10.77% | -15.45% | -22.44% | -29.53% | -18.11% | -733 bps | |
| Share Growth (YoY) | 14.85% | 0.75% | -4.78% | 0.39% | 2.54% | -6.81% | -6.37% | -12.97% | -1,335 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.14% | 5.71% | 7.39% | 6.88% | 7.64% | 6.90% | 10.12% | 9.76% | +288 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 | 0.38% | 0.38% | 0.38% | 0.54% | 0.80% | 3.49% | 3.57% | 3.79% | +325 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.85% | 10.46% | 9.94% | 8.00% | 8.37% | 7.06% | 6.63% | 6.88% | -112 bps | |
| Net Worth / Assets | 10.85% | 10.46% | 9.94% | 8.00% | 8.37% | 7.06% | 6.63% | 6.88% | -112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.45% | 75.89% | 72.97% | 63.10% | 65.51% | 63.16% | 54.92% | 59.37% | -373 bps | |
| Liquid Assets / Assets | 27.25% | 29.29% | 30.72% | 38.04% | 35.96% | 38.56% | 45.79% | 42.16% | +412 bps | |