Salem, MA · Charter 67781
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 | -0.18% | -0.46% | -0.37% | -0.23% | -0.23% | -0.21% | 0.13% | -8.15% | -793 bps | |
| Return on Equity | -1.11% | -3.04% | -2.46% | -1.51% | -1.56% | -1.37% | 0.89% | -60.36% | -5,885 bps | |
| Net Interest Margin | 2.01% | 2.00% | 2.11% | 2.08% | 2.10% | 2.13% | 2.06% | -3.31% | -539 bps | |
| Efficiency Ratio | 112.93% | 121.31% | 113.98% | 108.23% | 107.85% | 106.47% | 99.55% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.61% | -2.40% | 2.51% | 1.15% | 0.73% | -1.51% | -2.54% | -15.06% | -1,622 bps | |
| Loan Growth (YoY) | -6.24% | 1.51% | 0.33% | -0.96% | -0.80% | -2.62% | -3.04% | 1.41% | +237 bps | |
| Share Growth (YoY) | -0.94% | 5.02% | 7.39% | 5.09% | 3.60% | -2.37% | -4.65% | -3.18% | -828 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.52% | 0.77% | 0.09% | 0.70% | 0.86% | 0.90% | 0.85% | 0.20% | -50 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 | 0.56% | 0.55% | 0.51% | 0.53% | 0.53% | 0.55% | 0.46% | 0.44% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.71% | 15.18% | 14.88% | 15.03% | 15.09% | 15.20% | 15.19% | 13.51% | -152 bps | |
| Net Worth / Assets | 15.71% | 15.18% | 14.88% | 15.03% | 15.09% | 15.20% | 15.19% | 13.51% | -152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.33% | 87.31% | 85.14% | 82.80% | 84.57% | 87.08% | 86.57% | 86.73% | +393 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |