Dedham, MA · Charter 20502
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | -0.56% | -0.69% | -0.57% | -0.46% | -0.36% | -0.54% | -18.71% | -1,813 bps | |
| Return on Equity | 1.48% | -2.99% | -3.54% | -3.21% | -2.54% | -2.08% | -3.14% | -137.72% | -13,451 bps | |
| Net Interest Margin | 5.91% | 5.68% | 5.95% | 5.27% | 5.52% | 5.13% | 5.09% | 3.98% | -128 bps | |
| Efficiency Ratio | 93.62% | 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 / Loans | 0.49% | 0.38% | 0.00% | 0.00% | 0.00% | 0.00% | 0.40% | 0.00% | 0 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 | 1.21% | 1.23% | 1.18% | 1.57% | 1.90% | 1.69% | 1.94% | 0.22% | -135 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.88% | 18.63% | 19.45% | 17.89% | 18.26% | 17.14% | 17.16% | 13.58% | -430 bps | |
| Net Worth / Assets | 19.88% | 18.63% | 19.45% | 17.89% | 18.26% | 17.14% | 17.16% | 13.58% | -430 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.45% | 70.82% | 77.76% | 72.94% | 71.46% | 63.27% | 61.17% | 54.75% | -1,818 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |