Westminster, MA · Charter 67966
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.21% | -0.05% | -2.88% | -1.75% | -2.32% | 0.62% | 0.28% | -0.27% | +149 bps | |
| Return on Equity | -41.43% | -0.32% | -19.29% | -10.97% | -15.08% | 3.97% | 1.70% | -1.52% | +945 bps | |
| Net Interest Margin | 4.38% | 4.87% | 5.05% | 5.49% | 5.34% | 6.30% | 5.90% | 6.06% | +58 bps | |
| Efficiency Ratio | 90.68% | 100.97% | 101.64% | 96.12% | 100.95% | 90.24% | 95.29% | 104.33% | +821 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.93% | -13.84% | -15.55% | -13.85% | -15.46% | -15.86% | -13.07% | -14.93% | -108 bps | |
| Loan Growth (YoY) | -17.46% | -12.44% | -4.34% | -1.16% | -14.42% | -21.95% | -24.56% | -18.74% | -1,757 bps | |
| Share Growth (YoY) | -13.01% | -10.32% | -13.43% | -13.44% | -15.86% | -16.56% | -14.74% | -16.44% | -300 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 31.38% | 24.79% | 21.98% | 24.96% | 23.95% | 18.58% | 25.51% | 25.24% | +29 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 | 15.52% | 12.64% | 13.85% | 14.32% | 14.53% | 16.19% | 16.69% | 16.83% | +250 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.99% | 15.00% | 14.93% | 15.96% | 15.41% | 15.66% | 16.50% | 17.45% | +149 bps | |
| Net Worth / Assets | 14.99% | 15.00% | 14.93% | 15.96% | 15.41% | 15.66% | 16.50% | 17.45% | +149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.11% | 45.76% | 51.57% | 51.67% | 45.87% | 42.80% | 45.63% | 50.24% | -142 bps | |
| Liquid Assets / Assets | 43.77% | 37.51% | 42.86% | 31.15% | 35.92% | 40.11% | 0.00% | 0.00% | -3,115 bps | |