PackageTrendsPeer
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Norfolk County Employees

Dedham, MA · Charter 20502

Q1 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2013, the quarter ended March 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Norfolk County Employees

Dedham, MA · Charter 20502

Q1 2013

$919KAssets
$431KLoans
$788KShares
$125KNet Worth

Executive Summary

  • Earnings: ROA of -18.71%, down 1,813 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.58%, down 430 bps from a year ago.
  • Funding: loans stand at 54.75% of shares as of Q1 2013.

Return on Assets (YTD, annualized)

-18.71%-1,813 bps YoY

Net Interest Margin (YTD, annualized)

3.98%-128 bps YoY

Efficiency Ratio (YTD, annualized)

554%+45,726 bps YoY

Net Worth / Assets

13.58%-430 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.29%-0.56%-0.69%-0.57%-0.46%-0.36%-0.54%-18.71%-1,813 bps
Return on Equity1.48%-2.99%-3.54%-3.21%-2.54%-2.08%-3.14%-137.72%-13,451 bps
Net Interest Margin5.91%5.68%5.95%5.27%5.52%5.13%5.09%3.98%-128 bps
Efficiency Ratio93.62%98.63%98.83%96.36%96.86%96.59%100.55%554%+45,726 bps
Growth
Asset Growth (YoY)8.69%9.40%-1.51%4.63%3.08%5.72%9.93%-4.27%-890 bps
Loan Growth (YoY)-6.34%-5.16%-1.10%0.63%-1.61%-3.80%-11.00%-24.89%-2,552 bps
Share Growth (YoY)11.85%13.29%-0.21%7.00%5.27%7.68%13.14%0.06%-694 bps
Asset Quality
Delinquent Loans / Loans0.49%0.38%0.00%0.00%0.00%0.00%0.40%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.21%1.23%1.18%1.57%1.90%1.69%1.94%0.22%-135 bps
Capital
Risk-Based Capital19.88%18.63%19.45%17.89%18.26%17.14%17.16%13.58%-430 bps
Net Worth / Assets19.88%18.63%19.45%17.89%18.26%17.14%17.16%13.58%-430 bps
Liquidity & Funding
Loans / Shares76.45%70.82%77.76%72.94%71.46%63.27%61.17%54.75%-1,818 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps