Northampton, MA · Charter 67962
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Northampton, MA · Charter 67962
Q1 2004
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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.40% | -0.13% | -0.84% | -0.54% | -0.41% | -0.33% | -0.98% | -14 bps | |
| Return on Equity | 8.46% | 5.83% | -1.92% | -13.81% | -8.75% | -6.51% | -4.95% | -14.38% | -58 bps | |
| Net Interest Margin | 3.41% | 3.36% | 3.29% | 2.86% | 2.90% | 2.98% | 3.16% | 3.06% | +20 bps | |
| Efficiency Ratio | 84.66% | 88.89% | 103.29% | 124.29% | 114.83% | 110.97% | 108.46% | 125.84% | +154 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.75% | 11.21% | 1.01% | 8.10% | -0.69% | -1.35% | -7.46% | -14.55% | -2,265 bps | |
| Loan Growth (YoY) | -18.00% | -19.22% | -22.83% | -22.54% | -19.75% | -9.18% | -3.82% | -3.26% | +1,929 bps | |
| Share Growth (YoY) | 4.27% | 11.40% | 0.69% | 8.69% | -0.24% | -0.76% | -7.23% | -14.82% | -2,350 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 1.07% | 0.52% | 0.09% | 0.53% | 1.42% | 0.72% | 0.29% | +19 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 | 0.21% | 0.21% | 0.16% | 0.19% | 0.19% | 0.13% | 0.14% | 0.13% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.85% | 6.92% | 6.56% | 6.12% | 6.21% | 6.27% | 6.75% | 6.81% | +69 bps | |
| Net Worth / Assets | 6.85% | 6.92% | 6.56% | 6.12% | 6.21% | 6.27% | 6.75% | 6.81% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.59% | 54.06% | 49.70% | 44.90% | 44.72% | 49.47% | 51.52% | 50.99% | +609 bps | |
| Liquid Assets / Assets | 42.96% | 44.64% | 48.62% | 53.16% | 53.39% | 48.22% | 46.63% | 46.35% | -682 bps | |