Lee, MA · Charter 4418
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Lee, MA · Charter 4418
Q1 2008
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.15% | 0.27% | 0.53% | 0.48% | 0.41% | -0.56% | 0.23% | -30 bps | |
| Return on Equity | 0.62% | 0.99% | 1.66% | 3.06% | 2.80% | 2.22% | -2.94% | 1.62% | -144 bps | |
| Net Interest Margin | 2.67% | 2.84% | 3.08% | 3.31% | 3.17% | 3.27% | 3.56% | 4.35% | +104 bps | |
| Efficiency Ratio | 89.52% | 90.18% | 87.87% | 84.18% | 84.92% | 87.68% | 87.45% | 78.20% | -599 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.66% | -8.43% | -10.56% | -17.42% | -13.37% | -15.99% | -17.24% | -12.28% | +515 bps | |
| Loan Growth (YoY) | -12.81% | -22.24% | -22.64% | -29.00% | -24.36% | -21.75% | -24.32% | -29.16% | -16 bps | |
| Share Growth (YoY) | -9.58% | -10.99% | -14.40% | -20.10% | -17.01% | -18.69% | -18.49% | -9.68% | +1,042 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.10% | 3.31% | 3.25% | 3.54% | 3.73% | 4.79% | 2.29% | 6.65% | +311 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 | 1.43% | 1.65% | 1.78% | 2.02% | 1.74% | 1.41% | 2.40% | 3.04% | +102 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.53% | 15.01% | 16.29% | 17.17% | 17.25% | 18.34% | 19.12% | 14.13% | -304 bps | |
| Net Worth / Assets | 14.53% | 15.01% | 16.29% | 17.17% | 17.25% | 18.34% | 19.12% | 14.13% | -304 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.11% | 36.83% | 37.78% | 35.88% | 34.73% | 35.44% | 35.08% | 28.14% | -774 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |