East Longmeadow, MA · Charter 67918
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.03% | 0.06% | 0.05% | 0.11% | -0.90% | -0.77% | -6.32% | -638 bps | |
| Return on Equity | 0.49% | 0.17% | 0.38% | 0.30% | 0.60% | -4.89% | -4.14% | -41.39% | -4,169 bps | |
| Net Interest Margin | 2.81% | 2.38% | 2.49% | 2.64% | 2.84% | 2.53% | 2.61% | -2.73% | -537 bps | |
| Efficiency Ratio | 96.61% | 98.83% | 91.98% | 90.45% | 88.46% | 114.96% | 102.57% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.47% | -2.98% | -7.34% | -6.80% | -9.78% | -13.68% | -11.05% | -13.50% | -670 bps | |
| Loan Growth (YoY) | 2.26% | 1.01% | 2.37% | 15.46% | 11.99% | 14.79% | 7.77% | -5.87% | -2,133 bps | |
| Share Growth (YoY) | -5.10% | -4.49% | -8.59% | -8.13% | -11.89% | -15.22% | -12.99% | -11.59% | -345 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.19% | 0.35% | 0.00% | 0.00% | 0.00% | 0.32% | 0.11% | +11 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 | 1.50% | 1.41% | 1.50% | 1.50% | 1.50% | 1.50% | 1.50% | 1.50% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.64% | 16.09% | 16.75% | 17.26% | 18.56% | 18.52% | 18.53% | 15.28% | -197 bps | |
| Net Worth / Assets | 16.64% | 16.09% | 16.75% | 17.26% | 18.56% | 18.52% | 18.53% | 15.28% | -197 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.95% | 20.52% | 22.38% | 26.11% | 27.90% | 27.78% | 27.72% | 27.80% | +169 bps | |
| Liquid Assets / Assets | 32.19% | 33.77% | 31.12% | 27.55% | 18.49% | 22.02% | 0.00% | 0.00% | -2,755 bps | |