Haverhill, MA · Charter 67901
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.09% | -0.04% | -4.23% | -1.33% | -1.16% | -2.64% | -18.30% | -1,407 bps | |
| Return on Equity | 0.36% | 0.28% | -0.12% | -12.84% | -4.10% | -3.62% | -8.46% | -89.16% | -7,632 bps | |
| Net Interest Margin | 2.32% | 2.19% | 1.98% | 0.82% | 1.46% | 1.01% | 1.00% | -13.47% | -1,430 bps | |
| Efficiency Ratio | 64.67% | 73.02% | 101.93% | 194.06% | 105.70% | 213% | 362% | n/a | n/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 / Loans | 5.43% | 9.99% | 9.15% | 5.57% | 6.06% | 2.72% | 0.19% | 0.89% | -468 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 | 1.65% | 1.44% | 1.45% | 5.56% | 4.96% | 5.09% | 1.84% | 2.14% | -342 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 33.90% | 33.03% | 33.06% | 32.94% | 32.46% | 31.96% | 31.20% | 20.52% | -1,242 bps | |
| Net Worth / Assets | 33.90% | 33.03% | 33.06% | 32.94% | 32.46% | 31.96% | 31.20% | 20.52% | -1,242 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.86% | 23.07% | 22.89% | 29.56% | 28.14% | 27.00% | 26.08% | 23.41% | -615 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |