Brockton, MA · Charter 67560
Q2 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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.38% | 0.45% | 0.49% | 0.49% | 0.47% | 0.28% | 0.32% | -18 bps | |
| Return on Equity | 3.27% | 4.12% | 4.91% | 5.38% | 5.31% | 4.87% | 2.94% | 3.26% | -212 bps | |
| Net Interest Margin | 2.55% | 2.51% | 2.44% | 2.43% | 2.28% | 2.20% | 2.25% | 2.27% | -16 bps | |
| Efficiency Ratio | 84.27% | 82.25% | 80.75% | 79.40% | 79.15% | 80.15% | 87.48% | 88.04% | +864 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.82% | 1.26% | 2.48% | 3.62% | 4.63% | 0.16% | -1.59% | -1.64% | -526 bps | |
| Loan Growth (YoY) | 4.85% | 4.53% | 6.31% | 6.97% | 5.42% | -0.87% | -2.26% | -2.76% | -973 bps | |
| Share Growth (YoY) | 4.71% | 3.50% | 1.28% | 1.68% | 1.23% | -0.01% | -1.30% | -0.86% | -254 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.78% | 2.07% | 1.76% | 1.41% | 1.46% | 1.58% | 1.52% | 1.21% | -20 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 | 1.19% | 1.16% | 1.12% | 1.06% | 1.06% | 1.12% | 1.13% | 0.90% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.11% | 9.12% | 9.10% | 9.19% | 9.23% | 9.57% | 9.68% | 9.72% | +53 bps | |
| Net Worth / Assets | 9.11% | 9.12% | 9.10% | 9.19% | 9.23% | 9.57% | 9.68% | 9.72% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 114.36% | 116.35% | 114.94% | 119.16% | 119.10% | 115.35% | 113.82% | 116.87% | -229 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |