Malden, MA · Charter 67773
Q3 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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.00% | -0.34% | -0.62% | -0.57% | -0.57% | -0.57% | -0.61% | -0.70% | -13 bps | |
| Return on Equity | -7.14% | -2.54% | -4.60% | -4.50% | -4.54% | -4.71% | -5.24% | -5.87% | -137 bps | |
| Net Interest Margin | 2.43% | 2.01% | 2.01% | 1.92% | 1.95% | 1.84% | 1.79% | 1.85% | -8 bps | |
| Efficiency Ratio | 137.88% | 115.87% | 128.18% | 127.20% | 126.74% | 127.97% | 130.32% | 133.68% | +648 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.67% | 1.41% | 0.10% | 4.81% | 6.26% | 7.21% | 10.15% | 0.35% | -446 bps | |
| Loan Growth (YoY) | -19.76% | -21.41% | -12.23% | -4.36% | -2.05% | 3.53% | -2.80% | -4.28% | +8 bps | |
| Share Growth (YoY) | 7.79% | 2.77% | 1.52% | 6.63% | 8.07% | 9.08% | 12.39% | 1.21% | -542 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 1.11% | 1.53% | 0.57% | 0.47% | 0.49% | 0.17% | 0.00% | -57 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 | 1.25% | 1.23% | 1.19% | 1.01% | 1.05% | 1.07% | 1.14% | 1.02% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.94% | 13.55% | 13.40% | 12.66% | 12.55% | 12.03% | 11.60% | 11.95% | -71 bps | |
| Net Worth / Assets | 13.94% | 13.55% | 13.40% | 12.66% | 12.55% | 12.03% | 11.60% | 11.95% | -71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.99% | 37.29% | 38.63% | 37.31% | 37.15% | 35.39% | 33.41% | 35.29% | -202 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |