Springfield, MA · Charter 24425
Q4 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.14% | -1.37% | -1.49% | -1.60% | -1.69% | -1.77% | -1.91% | -2.44% | -84 bps | |
| Return on Equity | -7.27% | -9.04% | -9.73% | -9.96% | -11.20% | -12.66% | -13.74% | -16.90% | -694 bps | |
| Net Interest Margin | 1.65% | 1.58% | 1.61% | 1.66% | 1.39% | 1.35% | 1.40% | 1.53% | -13 bps | |
| Efficiency Ratio | 158.87% | 172.33% | 177.19% | 180.29% | 201% | 207% | 211% | 240% | +5,937 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.99% | 1.51% | -1.53% | -2.84% | -6.15% | -3.14% | -2.16% | -4.98% | -214 bps | |
| Loan Growth (YoY) | -10.87% | -13.10% | -14.82% | -17.77% | -13.97% | -14.58% | -10.76% | -5.73% | +1,204 bps | |
| Share Growth (YoY) | 6.27% | 3.31% | -0.07% | -1.56% | -5.47% | -1.78% | -0.48% | -2.93% | -137 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.49% | 0.00% | 0.00% | 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 | 0.69% | 0.70% | 0.75% | 0.68% | 0.67% | 0.69% | 0.70% | 0.00% | -68 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.75% | 15.17% | 15.35% | 16.03% | 15.11% | 14.00% | 13.87% | 14.43% | -160 bps | |
| Net Worth / Assets | 15.75% | 15.17% | 15.35% | 16.03% | 15.11% | 14.00% | 13.87% | 14.43% | -160 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.24% | 24.15% | 23.67% | 23.52% | 22.97% | 21.00% | 21.23% | 22.84% | -68 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |