Weston, MA · Charter 67765
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | -0.24% | -0.26% | -2.81% | -1.11% | -1.47% | -2.96% | -2.52% | +29 bps | |
| Return on Equity | 0.24% | -1.20% | -1.26% | -13.67% | -5.56% | -7.70% | -15.54% | -14.04% | -37 bps | |
| Net Interest Margin | 4.33% | 4.34% | 4.43% | 3.61% | 4.64% | 4.09% | 4.20% | 2.81% | -80 bps | |
| Efficiency Ratio | 98.93% | 98.40% | 100.44% | 123.57% | 128.98% | 124.34% | 173.36% | 189.23% | +6,566 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.31% | -6.06% | 0.47% | -6.00% | -3.57% | -0.77% | -4.74% | -0.96% | +504 bps | |
| Loan Growth (YoY) | -9.41% | -12.07% | -17.75% | -19.50% | -11.92% | -17.54% | -16.99% | -18.90% | +61 bps | |
| Share Growth (YoY) | -4.79% | -7.67% | 0.75% | -6.50% | -3.59% | 0.32% | -2.39% | 2.40% | +889 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.55% | 1.53% | 1.60% | 0.00% | 0.00% | 1.63% | 1.93% | 2.35% | +235 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 | 1.22% | 1.55% | 1.62% | 1.80% | 1.72% | 2.40% | 3.54% | 2.96% | +116 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.98% | 19.92% | 20.96% | 20.54% | 19.89% | 19.09% | 19.05% | 17.93% | -261 bps | |
| Net Worth / Assets | 19.98% | 19.92% | 20.96% | 20.54% | 19.89% | 19.09% | 19.05% | 17.93% | -261 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.34% | 34.58% | 35.31% | 32.21% | 32.29% | 28.42% | 30.03% | 25.51% | -670 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |