No. Andover, MA · Charter 24450
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, 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.
No. Andover, MA · Charter 24450
Q2 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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.53% | -0.16% | -0.41% | 0.28% | -0.31% | -2.73% | -1.26% | -1.10% | -138 bps | |
| Return on Equity | -5.14% | -1.44% | -4.02% | 2.71% | -2.85% | -33.53% | -15.41% | -13.61% | -1,631 bps | |
| Net Interest Margin | 3.73% | 3.99% | 3.67% | 3.72% | 3.47% | 3.67% | 2.63% | 2.72% | -100 bps | |
| Efficiency Ratio | 107.50% | 99.17% | 96.79% | 101.37% | 110.68% | 119.32% | 143.62% | 137.92% | +3,654 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.70% | 5.86% | 5.59% | 5.91% | -0.80% | -0.33% | -10.22% | -10.27% | -1,618 bps | |
| Loan Growth (YoY) | -5.48% | -8.74% | -2.65% | -9.24% | -13.79% | -25.20% | -34.71% | -34.26% | -2,501 bps | |
| Share Growth (YoY) | 11.06% | 6.78% | 6.24% | 5.80% | -1.28% | 2.65% | -8.31% | -7.73% | -1,353 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.06% | 1.65% | 4.26% | 4.72% | 6.44% | 6.49% | 12.44% | 9.16% | +445 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 | 1.27% | 1.24% | 1.50% | 0.65% | 0.98% | 5.78% | 4.80% | 5.31% | +465 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.27% | 10.84% | 10.09% | 10.47% | 10.86% | 8.15% | 8.19% | 8.07% | -240 bps | |
| Net Worth / Assets | 10.27% | 10.84% | 10.09% | 10.47% | 10.86% | 8.15% | 8.19% | 8.07% | -240 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.14% | 66.41% | 61.45% | 57.72% | 55.14% | 48.39% | 43.75% | 41.12% | -1,660 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |