Attleboro, MA · Charter 66361
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 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.
Attleboro, MA · Charter 66361
Q4 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.57% | -0.69% | 0.36% | 0.01% | -1.74% | -2.56% | -2.46% | -2.39% | -240 bps | |
| Return on Equity | -6.29% | -7.47% | 4.18% | 0.12% | -21.31% | -35.59% | -36.80% | -37.16% | -3,728 bps | |
| Net Interest Margin | 3.40% | 3.76% | 3.65% | 4.11% | 4.03% | 3.88% | 3.90% | 3.97% | -15 bps | |
| Efficiency Ratio | 88.78% | 91.61% | 92.77% | 99.68% | 135.11% | 156.27% | 153.90% | 148.30% | +4,862 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.89% | 7.42% | 7.60% | -0.98% | 5.08% | 11.91% | 3.75% | 4.58% | +556 bps | |
| Loan Growth (YoY) | 10.50% | 12.84% | 10.55% | 17.72% | -0.84% | -3.20% | -6.19% | -15.48% | -3,320 bps | |
| Share Growth (YoY) | 11.41% | 8.86% | 8.20% | 1.27% | 11.70% | 14.28% | 6.03% | 5.63% | +436 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 0.30% | 0.29% | 0.61% | 0.90% | 0.91% | 1.09% | 1.46% | +85 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 | 0.14% | 0.14% | 0.14% | 0.13% | 0.14% | 0.15% | 0.15% | 0.16% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.01% | 9.21% | 8.68% | 8.96% | 8.17% | 7.20% | 6.69% | 6.43% | -253 bps | |
| Net Worth / Assets | 9.01% | 9.21% | 8.68% | 8.96% | 8.17% | 7.20% | 6.69% | 6.43% | -253 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.13% | 57.04% | 53.61% | 59.66% | 48.94% | 48.32% | 47.43% | 47.74% | -1,192 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |