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Haverhill

Haverhill, MA · Charter 67901

Q3 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2011, the quarter ended September 30, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Haverhill

Haverhill, MA · Charter 67901

Q3 2011

$1.2MAssets
$221KLoans
$943KShares
$244KNet Worth

Executive Summary

  • Earnings: ROA of -18.30%, down 1,407 bps year over year; NIM at -13.47%.
  • Asset quality: problem loans at 0.89% of loans (-468 bps YoY).
  • Capital: net worth / assets of 20.52%, down 1,242 bps from a year ago.
  • Funding: loans stand at 23.41% of shares as of Q3 2011.

Return on Assets (YTD, annualized)

-18.30%-1,407 bps YoY

Net Interest Margin (YTD, annualized)

-13.47%-1,430 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

20.52%-1,242 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q3 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets0.12%0.09%-0.04%-4.23%-1.33%-1.16%-2.64%-18.30%-1,407 bps
Return on Equity0.36%0.28%-0.12%-12.84%-4.10%-3.62%-8.46%-89.16%-7,632 bps
Net Interest Margin2.32%2.19%1.98%0.82%1.46%1.01%1.00%-13.47%-1,430 bps
Efficiency Ratio64.67%73.02%101.93%194.06%105.70%213%362%n/an/a
Growth
Asset Growth (YoY)0.92%4.36%7.07%4.69%1.03%-1.46%-1.83%-4.15%-883 bps
Loan Growth (YoY)-1.37%15.57%11.80%62.28%38.60%18.34%15.33%-9.07%-7,135 bps
Share Growth (YoY)0.82%6.58%11.14%9.30%2.75%1.12%1.24%14.83%+554 bps
Asset Quality
Delinquent Loans / Loans5.43%9.99%9.15%5.57%6.06%2.72%0.19%0.89%-468 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.65%1.44%1.45%5.56%4.96%5.09%1.84%2.14%-342 bps
Capital
Risk-Based Capital33.90%33.03%33.06%32.94%32.46%31.96%31.20%20.52%-1,242 bps
Net Worth / Assets33.90%33.03%33.06%32.94%32.46%31.96%31.20%20.52%-1,242 bps
Liquidity & Funding
Loans / Shares20.86%23.07%22.89%29.56%28.14%27.00%26.08%23.41%-615 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps