Lawrence, MA · Charter 67912
Q2 2014
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.34% | -1.03% | -1.57% | -1.60% | -1.57% | -1.60% | -1.71% | -30.23% | -2,863 bps | |
| Return on Equity | -3.01% | -2.30% | -3.70% | -3.67% | -3.75% | -3.80% | -4.37% | -114.79% | -11,112 bps | |
| Net Interest Margin | 5.55% | 5.51% | 5.55% | 5.33% | 5.16% | 4.97% | 3.93% | -19.52% | -2,485 bps | |
| Efficiency Ratio | 123.94% | 118.49% | 126.72% | 126.55% | 124.63% | 124.99% | 139.34% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.73% | 0.99% | 1.65% | -0.34% | 3.63% | 2.32% | 4.23% | 3.15% | +349 bps | |
| Loan Growth (YoY) | 17.69% | 12.00% | 1.13% | -8.96% | -14.04% | -22.89% | -24.54% | -14.24% | -528 bps | |
| Share Growth (YoY) | -1.37% | 2.92% | 4.50% | 1.69% | 9.60% | 8.06% | 10.92% | 36.20% | +3,451 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.94% | 2.86% | 2.82% | 2.90% | 5.51% | 3.70% | 3.48% | 2.81% | -9 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 | 1.40% | 1.39% | 1.48% | 1.69% | 2.09% | 0.43% | 0.58% | 2.66% | +98 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 44.52% | 44.57% | 42.41% | 43.59% | 41.76% | 41.96% | 39.13% | 26.34% | -1,725 bps | |
| Net Worth / Assets | 44.52% | 44.57% | 42.41% | 43.59% | 41.76% | 41.96% | 39.13% | 26.34% | -1,725 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 108.48% | 110.50% | 97.82% | 98.46% | 85.09% | 78.85% | 66.55% | 62.00% | -3,646 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |