Lawrence, MA · Charter 67847
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.56% | 0.89% | 0.93% | 0.90% | 0.84% | 0.14% | 0.20% | -73 bps | |
| Return on Equity | 2.99% | 3.02% | 4.69% | 5.17% | 4.42% | 4.07% | 0.68% | 1.01% | -416 bps | |
| Net Interest Margin | 3.12% | 3.09% | 3.21% | 3.08% | 3.38% | 3.38% | 2.85% | 2.79% | -29 bps | |
| Efficiency Ratio | 75.83% | 78.26% | 72.45% | 70.04% | 73.47% | 75.12% | 87.55% | 85.80% | +1,576 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.38% | -6.02% | -3.89% | -6.76% | -7.39% | -7.34% | -5.97% | -6.68% | +8 bps | |
| Loan Growth (YoY) | -2.83% | -8.15% | -8.77% | -11.00% | -6.89% | 1.67% | 2.45% | -4.21% | +678 bps | |
| Share Growth (YoY) | -9.51% | -5.90% | -5.61% | -8.94% | -14.23% | -12.68% | -8.35% | -8.81% | +13 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.15% | 2.65% | 3.08% | 3.75% | 3.97% | 4.49% | 4.53% | 4.76% | +101 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 | 0.53% | 0.43% | 0.46% | 0.47% | 0.59% | 0.57% | 0.31% | 0.49% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.10% | 18.45% | 18.97% | 17.96% | 20.38% | 20.76% | 20.74% | 19.58% | +161 bps | |
| Net Worth / Assets | 18.10% | 18.45% | 18.97% | 17.96% | 20.38% | 20.76% | 20.74% | 19.58% | +161 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.72% | 42.08% | 40.58% | 37.38% | 47.46% | 48.99% | 45.36% | 39.26% | +188 bps | |
| Liquid Assets / Assets | 8.74% | 24.44% | 20.26% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |