Needham Heights, MA · Charter 16084
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Needham Heights, MA · Charter 16084
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.40% | 1.73% | 0.90% | 1.34% | 0.62% | 2.61% | 1.37% | 0.69% | -65 bps | |
| Return on Equity | 11.81% | 14.06% | 7.23% | 10.76% | 5.06% | 19.60% | 9.85% | 8.21% | -255 bps | |
| Net Interest Margin | 3.35% | 2.96% | 3.46% | 3.32% | 3.45% | 3.74% | 3.56% | 1.06% | -226 bps | |
| Efficiency Ratio | 58.21% | 41.63% | 73.96% | 59.56% | 70.81% | 30.08% | 32.26% | 34.37% | -2,519 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.72% | 3.94% | -2.17% | 4.00% | 2.15% | -1.42% | -4.09% | -12.90% | -1,691 bps | |
| Loan Growth (YoY) | -0.42% | 2.74% | -2.69% | -0.25% | -0.29% | -4.37% | -19.09% | -21.54% | -2,129 bps | |
| Share Growth (YoY) | 4.41% | 2.44% | -4.25% | 3.23% | 1.35% | -2.89% | -3.70% | -12.87% | -1,610 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.14% | 4.74% | 2.18% | 1.92% | 1.92% | 2.52% | 2.67% | 4.74% | +282 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 | 0.67% | 0.65% | 0.66% | 0.66% | 1.28% | 1.29% | 2.46% | 2.55% | +189 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.88% | 12.29% | 12.47% | 12.46% | 12.24% | 13.33% | 13.88% | 8.44% | -402 bps | |
| Net Worth / Assets | 11.88% | 12.29% | 12.47% | 12.46% | 12.24% | 13.33% | 13.88% | 8.44% | -402 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.29% | 79.58% | 81.00% | 75.77% | 76.04% | 78.37% | 68.06% | 68.23% | -753 bps | |
| Liquid Assets / Assets | 33.18% | 31.03% | 30.72% | 34.34% | 35.10% | 33.37% | 0.00% | 0.00% | -3,434 bps | |