Chelmsford, MA · Charter 67860
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Chelmsford, MA · Charter 67860
Q2 2005
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.71% | 0.35% | 0.47% | 0.03% | -0.13% | -0.20% | -17.46% | -1,793 bps | |
| Return on Equity | 8.14% | 8.61% | 3.99% | 5.58% | 0.35% | -1.49% | -2.34% | -43535% | -4,354,095 bps | |
| Net Interest Margin | 2.80% | 2.88% | 2.55% | 2.52% | 2.46% | 2.76% | 2.33% | -8.10% | -1,062 bps | |
| Efficiency Ratio | 75.15% | 73.08% | 86.65% | 81.80% | 86.37% | 86.82% | 108.50% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 43.22% | 33.08% | 12.75% | 7.43% | 4.74% | -5.16% | -2.58% | -9.00% | -1,643 bps | |
| Loan Growth (YoY) | 14.70% | 9.95% | 7.60% | 2.02% | -4.94% | -10.70% | -12.30% | -13.31% | -1,534 bps | |
| Share Growth (YoY) | 47.33% | 35.70% | 13.11% | 7.33% | 4.89% | -5.53% | -2.54% | -3.33% | -1,066 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 1.19% | 1.52% | 0.95% | 3.47% | 3.65% | 4.46% | 2.96% | +201 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 | 0.73% | 0.89% | 0.90% | 0.78% | 1.23% | 0.86% | 0.90% | 3.63% | +285 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.21% | 8.30% | 8.65% | 8.33% | 8.15% | 8.62% | 8.61% | 0.04% | -829 bps | |
| Net Worth / Assets | 8.21% | 8.30% | 8.65% | 8.33% | 8.15% | 8.62% | 8.61% | 0.04% | -829 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.94% | 36.12% | 36.95% | 34.02% | 34.39% | 34.15% | 33.25% | 30.51% | -352 bps | |
| Liquid Assets / Assets | 7.66% | 6.89% | 12.71% | 7.41% | 20.79% | 27.73% | 28.17% | 8.06% | +65 bps | |