Natick, MA · Charter 65711
Q4 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.32% | -0.10% | 0.05% | 0.15% | -0.71% | -1.09% | -1.14% | -1.60% | -175 bps | |
| Return on Equity | -2.95% | -0.89% | 0.47% | 1.31% | -6.29% | -9.49% | -9.87% | -16.49% | -1,780 bps | |
| Net Interest Margin | 5.22% | 5.07% | 5.06% | 5.06% | 4.45% | 4.51% | 4.56% | 4.15% | -91 bps | |
| Efficiency Ratio | 93.04% | 95.26% | 94.75% | 94.13% | 105.20% | 112.16% | 112.62% | 123.67% | +2,955 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.35% | -5.51% | -4.35% | -0.32% | -3.50% | -6.96% | -8.22% | -9.24% | -892 bps | |
| Loan Growth (YoY) | -15.05% | -22.62% | -27.27% | -24.64% | -24.36% | -21.32% | -21.67% | -29.93% | -528 bps | |
| Share Growth (YoY) | -2.59% | -6.32% | -4.99% | -0.49% | -3.95% | -7.44% | -8.42% | -8.64% | -814 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.08% | 3.94% | 4.98% | 5.30% | 3.74% | 3.62% | 3.36% | 1.72% | -358 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 | 2.27% | 2.18% | 2.31% | 2.21% | 2.48% | 1.84% | 2.16% | 1.63% | -58 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.86% | 11.04% | 11.28% | 11.54% | 11.31% | 11.53% | 11.55% | 9.68% | -186 bps | |
| Net Worth / Assets | 10.86% | 11.04% | 11.28% | 11.54% | 11.31% | 11.53% | 11.55% | 9.68% | -186 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.67% | 59.58% | 57.31% | 54.82% | 50.14% | 50.65% | 49.02% | 42.05% | -1,277 bps | |
| Liquid Assets / Assets | 20.20% | 14.52% | 11.95% | 13.59% | 18.03% | 14.17% | 26.48% | 31.41% | +1,782 bps | |