Ashland, MA · Charter 67900
Q4 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.08% | -1.42% | -1.69% | -1.96% | -1.68% | -1.90% | -2.56% | -2.31% | -34 bps | |
| Return on Equity | -14.38% | -9.77% | -11.21% | -12.76% | -11.44% | -13.15% | -18.20% | -15.39% | -262 bps | |
| Net Interest Margin | 3.32% | 3.38% | 3.62% | 3.76% | 3.53% | 3.55% | 3.56% | 3.76% | 0 bps | |
| Efficiency Ratio | 138.09% | 138.18% | 146.02% | 144.15% | 145.76% | 147.31% | 154.33% | 150.62% | +647 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.65% | 5.69% | -5.23% | -12.06% | -12.46% | -12.49% | -9.06% | -11.05% | +102 bps | |
| Loan Growth (YoY) | -24.47% | -22.37% | -25.78% | -11.76% | -5.01% | 4.94% | 7.11% | -5.18% | +658 bps | |
| Share Growth (YoY) | 11.39% | 9.51% | -3.41% | -12.67% | -12.80% | -12.55% | -8.32% | -9.64% | +303 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.37% | 1.90% | 5.38% | 5.04% | 3.87% | 3.08% | 2.25% | 0.02% | -501 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 | 1.61% | 1.14% | 0.99% | 0.87% | 0.83% | 0.92% | 0.97% | 0.62% | -25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.43% | 14.52% | 15.06% | 15.38% | 14.72% | 14.48% | 14.08% | 14.99% | -40 bps | |
| Net Worth / Assets | 14.43% | 14.52% | 15.06% | 15.38% | 14.72% | 14.48% | 14.08% | 14.99% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.52% | 37.86% | 36.66% | 42.39% | 41.96% | 45.43% | 42.84% | 44.48% | +209 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |