Athol, MA · Cert 27293
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Athol, MA · Cert 27293
FDIC
Q1 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.72% | -2.54% | -1.44% | -1.61% | -0.57% | -1.87% | -1.43% | -2.46% | -85 bps | |
| Return on Equity | -37.82% | -26.42% | -14.83% | -15.97% | -5.58% | -18.86% | -14.56% | -25.88% | -991 bps | |
| Net Interest Margin | 2.25% | 2.34% | 2.43% | 3.11% | 3.46% | 3.42% | 3.38% | 3.50% | +39 bps | |
| Efficiency Ratio | 90.26% | 91.40% | 97.65% | 103.10% | 105.79% | 128.12% | 121.20% | 177.11% | +7,400 bps | |
| Non-Interest Burden | 2.00% | 2.12% | 2.37% | 3.22% | 3.68% | 4.31% | 4.07% | 6.00% | +278 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.28% | 4.54% | -3.89% | -12.70% | -16.10% | -11.33% | -9.77% | -10.69% | +202 bps | |
| Loan Growth (YoY) | -2.36% | -4.00% | -6.73% | -8.18% | -5.84% | -7.33% | -11.96% | -12.59% | -441 bps | |
| Deposit Growth (YoY) | 30.79% | 37.59% | 35.42% | 15.17% | 3.98% | 1.15% | -5.72% | -6.38% | -2,156 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.66% | 1.74% | 0.18% | 4.42% | 3.26% | 2.85% | 2.60% | 2.58% | -184 bps | |
| Allowance / Loans | 1.95% | 2.10% | 3.23% | 2.53% | 2.34% | 2.83% | 2.67% | 2.12% | -42 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.85% | 17.22% | 17.68% | 17.65% | 12.49% | 10.10% | 11.77% | 11.73% | -592 bps | |
| Equity / Assets | 8.37% | 8.97% | 10.06% | 10.09% | 10.25% | 9.17% | 9.55% | 9.46% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 127.63% | 122.32% | 117.01% | 116.19% | 115.57% | 112.06% | 109.27% | 108.49% | -770 bps | |
| Liquid Assets / Assets | 16.59% | 11.21% | 7.33% | 4.46% | 4.22% | 4.48% | 4.89% | 2.18% | -228 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |