Athol, MA · Cert 27293
FDIC
Q1 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.71% | -0.13% | 2.06% | -1.61% | 0.50% | -4.53% | -0.06% | -2.46% | -85 bps | |
| Return on Equity | -72.20% | -1.55% | 21.71% | -15.97% | 4.91% | -46.67% | -0.59% | -25.88% | -991 bps | |
| Net Interest Margin | 2.07% | 2.46% | 2.34% | 3.11% | 3.77% | 3.25% | 3.29% | 3.50% | +39 bps | |
| Efficiency Ratio | 91.83% | 93.63% | 116.67% | 103.10% | 108.14% | 205% | 101.59% | 177.11% | +7,400 bps | |
| Non-Interest Burden | 1.87% | 2.29% | 2.80% | 3.22% | 4.09% | 5.51% | 3.35% | 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 | 5.31% | -0.15% | -4.54% | 4.42% | 2.03% | 1.85% | 1.33% | 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 |