Lawrence, MA · Charter 67772
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Lawrence, MA · Charter 67772
Q2 2015
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | -0.21% | -0.88% | -1.08% | -1.24% | -1.25% | -0.50% | -1.35% | -27 bps | |
| Return on Equity | 0.14% | -1.43% | -6.42% | -7.48% | -8.59% | -8.73% | -3.56% | -9.76% | -228 bps | |
| Net Interest Margin | 2.46% | 2.45% | 2.02% | 2.18% | 2.23% | 2.26% | 2.16% | 2.19% | +1 bps | |
| Efficiency Ratio | 97.91% | 101.18% | 122.09% | 117.09% | 116.20% | 113.19% | 117.65% | 139.95% | +2,286 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.62% | 8.25% | 10.95% | -1.59% | -4.06% | -4.20% | -9.59% | -4.76% | -317 bps | |
| Loan Growth (YoY) | -4.90% | -4.47% | -3.10% | -0.74% | -0.63% | -4.97% | -4.32% | -7.72% | -698 bps | |
| Share Growth (YoY) | 10.15% | 10.17% | 13.74% | -0.82% | -3.42% | -3.59% | -9.95% | -4.06% | -324 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 1.29% | 1.77% | 2.38% | 2.32% | 2.28% | 1.78% | 2.13% | -25 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 | 0.70% | 0.63% | 0.81% | 1.47% | 1.67% | 2.09% | 1.94% | 1.79% | +32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.96% | 14.93% | 13.68% | 14.50% | 14.43% | 14.33% | 14.01% | 13.85% | -65 bps | |
| Net Worth / Assets | 14.96% | 14.93% | 13.68% | 14.50% | 14.43% | 14.33% | 14.01% | 13.85% | -65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.59% | 43.05% | 38.26% | 41.47% | 42.79% | 42.43% | 40.66% | 39.88% | -158 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |