Leominster, MA · Charter 66790
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.43% | -0.27% | -0.06% | -0.27% | -0.99% | -2.36% | -2.66% | -2.21% | -193 bps | |
| Return on Equity | -3.16% | -1.99% | -0.42% | -1.84% | -6.77% | -16.39% | -19.22% | -15.54% | -1,369 bps | |
| Net Interest Margin | 4.41% | 4.18% | 4.46% | 4.79% | 4.90% | 4.79% | 4.92% | 5.18% | +39 bps | |
| Efficiency Ratio | 97.36% | 104.05% | 99.21% | 99.45% | 104.09% | 116.87% | 117.54% | 116.69% | +1,724 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.31% | 1.75% | -4.06% | -8.72% | -11.96% | -15.09% | -12.81% | -10.76% | -203 bps | |
| Loan Growth (YoY) | -6.15% | -7.42% | -7.11% | -6.65% | -6.50% | -9.16% | -17.65% | -22.79% | -1,613 bps | |
| Share Growth (YoY) | -1.18% | 2.68% | -3.37% | -10.70% | -12.85% | -15.66% | -11.95% | -9.11% | +159 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.18% | 1.78% | 2.61% | 2.15% | 4.55% | 4.33% | 3.52% | 3.36% | +121 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 | 0.61% | 0.58% | 0.54% | 0.65% | 1.50% | 1.54% | 1.63% | 1.70% | +106 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.69% | 13.50% | 14.08% | 14.91% | 14.56% | 14.38% | 13.83% | 14.21% | -70 bps | |
| Net Worth / Assets | 13.69% | 13.50% | 14.08% | 14.91% | 14.56% | 14.38% | 13.83% | 14.21% | -70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.22% | 70.26% | 74.79% | 80.79% | 78.56% | 75.68% | 69.95% | 68.63% | -1,216 bps | |
| Liquid Assets / Assets | 24.94% | 24.77% | 19.08% | 16.60% | 17.69% | 20.06% | 0.00% | 0.00% | -1,660 bps | |