Melrose, MA · Charter 67692
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.71% | -1.03% | -1.27% | -1.73% | -1.25% | -0.32% | -0.35% | -3.13% | -139 bps | |
| Return on Equity | -9.96% | -5.88% | -7.43% | -10.67% | -8.08% | -2.09% | -2.33% | -24.66% | -1,399 bps | |
| Net Interest Margin | 2.72% | 2.81% | 2.86% | 2.78% | 2.71% | 2.56% | 2.62% | 2.47% | -31 bps | |
| Efficiency Ratio | 131.17% | 97.71% | 101.26% | 128.46% | 128.28% | 114.81% | 111.27% | 209% | +8,016 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.05% | 4.44% | 3.39% | 3.07% | 2.17% | 3.22% | 3.32% | 2.81% | -26 bps | |
| Loan Growth (YoY) | -2.02% | -3.71% | 3.02% | -1.66% | -1.13% | -12.13% | -14.78% | -16.58% | -1,492 bps | |
| Share Growth (YoY) | 6.17% | 7.24% | 5.95% | 6.03% | 5.17% | 5.78% | 4.60% | 4.49% | -154 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.74% | 0.51% | 2.67% | 2.66% | 2.00% | 2.41% | 2.18% | 2.34% | -31 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 | 0.92% | 0.74% | 1.18% | 1.50% | 1.04% | 1.09% | 0.98% | 0.96% | -54 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.21% | 17.50% | 17.12% | 16.22% | 15.52% | 15.20% | 15.18% | 12.67% | -355 bps | |
| Net Worth / Assets | 17.21% | 17.50% | 17.12% | 16.22% | 15.52% | 15.20% | 15.18% | 12.67% | -355 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.29% | 62.84% | 64.71% | 62.71% | 60.44% | 52.20% | 52.72% | 50.07% | -1,265 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |