Peabody, MA · Charter 24310
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 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.
Peabody, MA · Charter 24310
Q2 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.88% | 0.68% | 0.70% | 0.75% | 0.73% | 0.65% | 0.67% | -3 bps | |
| Return on Equity | 7.69% | 7.79% | 5.92% | 6.09% | 6.11% | 5.92% | 5.29% | 5.24% | -86 bps | |
| Net Interest Margin | 2.89% | 3.01% | 2.97% | 2.99% | 3.14% | 3.12% | 3.12% | 3.08% | +9 bps | |
| Efficiency Ratio | 71.65% | 71.97% | 76.11% | 76.20% | 75.60% | 75.61% | 76.06% | 76.72% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.78% | 1.14% | 0.03% | 2.30% | -2.98% | -2.76% | -1.22% | -4.86% | -716 bps | |
| Loan Growth (YoY) | 8.10% | 5.88% | 7.54% | 8.46% | 10.10% | 10.29% | 11.66% | 8.96% | +50 bps | |
| Share Growth (YoY) | 0.18% | 0.69% | -0.73% | 1.70% | -4.24% | -3.95% | -2.32% | -6.23% | -793 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.49% | 0.56% | 0.62% | 0.93% | 1.00% | 0.69% | 0.66% | +4 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 | 0.73% | 0.72% | 0.72% | 0.68% | 0.66% | 0.66% | 0.65% | 0.63% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.08% | 11.34% | 11.46% | 11.46% | 12.23% | 12.40% | 12.31% | 12.75% | +129 bps | |
| Net Worth / Assets | 11.08% | 11.34% | 11.46% | 11.46% | 12.23% | 12.40% | 12.31% | 12.75% | +129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.20% | 50.22% | 50.25% | 52.46% | 57.72% | 57.66% | 57.44% | 60.96% | +850 bps | |
| Liquid Assets / Assets | 15.95% | 18.89% | 20.18% | 18.48% | 14.05% | 15.72% | 17.47% | 0.00% | -1,848 bps | |