Westfield, MA · Charter 67844
Q2 2013
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.24% | -0.95% | 0.11% | 0.14% | -0.91% | -0.68% | 0.28% | 0.31% | +16 bps | |
| Return on Equity | -4.99% | -3.78% | 0.45% | 0.60% | -3.82% | -2.78% | 1.17% | 1.18% | +58 bps | |
| Net Interest Margin | 4.78% | 4.57% | 4.12% | 4.10% | 4.37% | 4.52% | 5.32% | 5.46% | +136 bps | |
| Efficiency Ratio | 114.52% | 111.65% | 97.43% | 96.61% | 109.64% | 106.69% | 88.25% | 91.05% | -555 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.45% | 19.60% | 17.21% | 18.00% | 1.58% | -0.38% | -2.72% | -11.05% | -2,904 bps | |
| Loan Growth (YoY) | 6.59% | -0.88% | -2.48% | 3.83% | 2.54% | 12.15% | 6.04% | -1.13% | -496 bps | |
| Share Growth (YoY) | 17.43% | 33.24% | 26.59% | 26.51% | 2.22% | -1.50% | -3.81% | -15.61% | -4,211 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.10% | 4.77% | 1.49% | 0.80% | 3.59% | 4.35% | 1.56% | 1.61% | +82 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 | 1.38% | 1.44% | 1.27% | 1.05% | 1.21% | 0.98% | 0.88% | 0.85% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.90% | 25.03% | 24.01% | 23.67% | 23.89% | 24.44% | 24.06% | 25.96% | +229 bps | |
| Net Worth / Assets | 24.90% | 25.03% | 24.01% | 23.67% | 23.89% | 24.44% | 24.06% | 25.96% | +229 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.84% | 73.51% | 68.48% | 71.60% | 76.08% | 83.70% | 75.49% | 83.88% | +1,228 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |