Fall River, MA · Charter 16898
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 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.
Fall River, MA · Charter 16898
Q1 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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.18% | -0.95% | -0.87% | -0.80% | 0.27% | 0.00% | -15.29% | -2.55% | -175 bps | |
| Return on Equity | -5.46% | -4.13% | -3.78% | -3.41% | 1.07% | 0.02% | -146.55% | -23.16% | -1,975 bps | |
| Net Interest Margin | 2.89% | 3.19% | 3.15% | 3.27% | 3.54% | 3.34% | -11.47% | 3.09% | -19 bps | |
| Efficiency Ratio | 133.89% | 120.98% | 119.64% | 124.38% | 113.80% | 114.72% | n/a | 182.48% | +5,810 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.70% | -3.73% | -0.36% | -5.59% | -13.74% | -6.54% | -10.90% | -17.67% | -1,208 bps | |
| Loan Growth (YoY) | 45.89% | 20.77% | 64.21% | 90.52% | 20.26% | 2.19% | -24.36% | -34.55% | -12,507 bps | |
| Share Growth (YoY) | 0.63% | -3.32% | -4.15% | -9.07% | -13.58% | -8.31% | 9.04% | -1.09% | +798 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.64% | 1.44% | 1.26% | 1.23% | 3.56% | 0.00% | 0.00% | 0.00% | -123 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 | 1.01% | 1.16% | 1.10% | 1.07% | 1.18% | 1.23% | 1.45% | 1.63% | +56 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.63% | 23.07% | 22.92% | 23.45% | 24.95% | 24.52% | 10.44% | 11.01% | -1,244 bps | |
| Net Worth / Assets | 21.63% | 23.07% | 22.92% | 23.45% | 24.95% | 24.52% | 10.44% | 11.01% | -1,244 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.60% | 50.31% | 60.30% | 63.22% | 59.29% | 56.06% | 41.83% | 41.84% | -2,138 bps | |
| Liquid Assets / Assets | 65.22% | 57.18% | 51.97% | 49.14% | 50.26% | 53.35% | 58.18% | 41.21% | -793 bps | |