Bedford, MA · Charter 24407
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.26% | -0.14% | 0.16% | 0.26% | 0.30% | 0.31% | 0.36% | -9.45% | -972 bps | |
| Return on Equity | -1.90% | -1.06% | 1.16% | 1.87% | 2.03% | 2.06% | 2.33% | -88.00% | -8,987 bps | |
| Net Interest Margin | 2.82% | 2.81% | 2.93% | 3.02% | 3.08% | 3.09% | 3.27% | -1.30% | -432 bps | |
| Efficiency Ratio | 100.27% | 98.71% | 93.31% | 91.76% | 91.45% | 91.33% | 88.10% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.04% | 36.59% | 35.69% | -2.74% | -5.42% | -8.28% | -7.98% | -7.64% | -490 bps | |
| Loan Growth (YoY) | 14.91% | 22.14% | 26.81% | 5.25% | 8.52% | 5.08% | 5.06% | 1.97% | -328 bps | |
| Share Growth (YoY) | 32.54% | 37.94% | 37.32% | -3.25% | -6.42% | -10.07% | -9.80% | -5.24% | -199 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.15% | 0.12% | 0.08% | 0.09% | 0.20% | 0.16% | 0.00% | -8 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 | 0.61% | 0.41% | 0.39% | 0.36% | 0.33% | 0.30% | 0.34% | 0.32% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.52% | 13.38% | 13.77% | 14.12% | 14.56% | 14.90% | 15.32% | 10.74% | -338 bps | |
| Net Worth / Assets | 13.52% | 13.38% | 13.77% | 14.12% | 14.56% | 14.90% | 15.32% | 10.74% | -338 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.01% | 59.15% | 59.59% | 61.97% | 66.11% | 69.12% | 69.41% | 66.68% | +472 bps | |
| Liquid Assets / Assets | 16.51% | 17.09% | 13.47% | 14.61% | 14.96% | 15.25% | 15.74% | 0.00% | -1,461 bps | |