Newton Center, MA · Charter 61549
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.01% | -0.30% | -0.29% | -0.13% | 0.07% | -0.40% | -0.37% | -0.73% | -60 bps | |
| Return on Equity | -0.03% | -1.28% | -1.24% | -0.54% | 0.31% | -1.69% | -1.56% | -3.08% | -254 bps | |
| Net Interest Margin | 1.37% | 1.34% | 1.32% | 1.34% | 1.31% | 1.26% | 1.26% | 1.26% | -8 bps | |
| Efficiency Ratio | 100.51% | 122.63% | 122.09% | 107.69% | 86.07% | 122.12% | 119.06% | 150.09% | +4,239 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.31% | 1.80% | 1.19% | 0.88% | -0.12% | -1.55% | -1.56% | -1.59% | -247 bps | |
| Loan Growth (YoY) | -9.67% | -4.07% | -8.38% | -1.67% | 4.80% | 1.80% | -3.81% | -7.07% | -540 bps | |
| Share Growth (YoY) | 0.62% | 2.66% | 1.79% | 1.34% | -0.01% | -1.81% | -1.81% | -1.15% | -249 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.18% | 0.16% | 0.23% | 0.72% | 0.51% | 0.51% | 0.00% | 0.00% | -72 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 | 1.60% | 0.76% | 0.74% | 0.91% | 0.84% | 1.15% | 0.92% | 0.92% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.10% | 23.60% | 23.44% | 23.91% | 24.01% | 23.80% | 23.63% | 23.57% | -34 bps | |
| Net Worth / Assets | 24.10% | 23.60% | 23.44% | 23.91% | 24.01% | 23.80% | 23.63% | 23.57% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 17.86% | 17.93% | 18.16% | 19.05% | 18.72% | 18.58% | 17.79% | 17.91% | -114 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |