Brockton, MA · Charter 66478
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.18% | -0.99% | -1.10% | -1.43% | -1.26% | -1.02% | -1.16% | -1.58% | -15 bps | |
| Return on Equity | -13.98% | -12.14% | -13.16% | -18.19% | -16.49% | -13.74% | -15.67% | -23.41% | -522 bps | |
| Net Interest Margin | 2.78% | 2.77% | 2.95% | 2.77% | 2.74% | 2.64% | 2.70% | 2.38% | -40 bps | |
| Efficiency Ratio | 133.85% | 128.53% | 129.95% | 140.90% | 136.72% | 130.56% | 132.09% | 152.93% | +1,204 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.83% | -5.02% | -7.78% | -4.14% | -3.99% | -4.72% | -1.73% | -0.49% | +365 bps | |
| Loan Growth (YoY) | -12.27% | -11.80% | -7.68% | -11.31% | -15.80% | -16.18% | -15.25% | -17.89% | -658 bps | |
| Share Growth (YoY) | -4.85% | -3.75% | -7.02% | -3.32% | -3.10% | -3.94% | -0.58% | 0.85% | +417 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 0.62% | 1.16% | 0.82% | 0.56% | 0.65% | 1.12% | 0.88% | +6 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 | 0.81% | 0.93% | 1.00% | 1.08% | 0.96% | 1.04% | 1.09% | 0.73% | -36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.43% | 8.12% | 8.40% | 7.86% | 7.67% | 7.44% | 7.39% | 6.74% | -112 bps | |
| Net Worth / Assets | 8.43% | 8.12% | 8.40% | 7.86% | 7.67% | 7.44% | 7.39% | 6.74% | -112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.78% | 38.03% | 40.92% | 38.34% | 35.44% | 33.18% | 34.89% | 31.22% | -712 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |