Springfield, MA · Charter 67597
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Springfield, MA · Charter 67597
Q2 2012
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.54% | -0.12% | -0.28% | -0.33% | -0.48% | -0.38% | -0.35% | -19.53% | -1,920 bps | |
| Return on Equity | -2.73% | -0.63% | -1.44% | -1.64% | -2.35% | -1.85% | -1.75% | -188.44% | -18,680 bps | |
| Net Interest Margin | 2.23% | 2.07% | 2.19% | 2.34% | 2.39% | 2.39% | 2.28% | -14.49% | -1,682 bps | |
| Efficiency Ratio | 123.50% | 103.40% | 112.77% | 113.04% | 115.70% | 111.34% | 110.62% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.09% | 3.52% | 2.67% | 0.19% | -4.26% | -7.67% | -4.04% | -1.15% | -134 bps | |
| Loan Growth (YoY) | -10.12% | -6.42% | -4.78% | -3.53% | -4.09% | -2.72% | -3.23% | -6.23% | -269 bps | |
| Share Growth (YoY) | 0.57% | 6.37% | 5.09% | 1.03% | -5.17% | -9.94% | -5.64% | 9.51% | +848 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 1.03% | 0.46% | 1.16% | 1.30% | 0.94% | 0.76% | 0.04% | -112 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 | 0.47% | 0.39% | 0.36% | 0.37% | 0.51% | 0.46% | 0.47% | 0.19% | -17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.69% | 19.08% | 19.48% | 20.11% | 20.24% | 20.28% | 19.92% | 10.37% | -974 bps | |
| Net Worth / Assets | 19.69% | 19.08% | 19.48% | 20.11% | 20.24% | 20.28% | 19.92% | 10.37% | -974 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.52% | 40.53% | 40.91% | 42.25% | 43.01% | 43.79% | 41.95% | 36.18% | -607 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |