Worcester, MA · Charter 68012
Q3 2015
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.26% | 0.33% | 0.35% | 0.41% | 0.50% | 0.33% | 0.42% | +7 bps | |
| Return on Equity | 1.26% | 1.95% | 2.43% | 2.62% | 3.02% | 3.85% | 2.61% | 3.30% | +68 bps | |
| Net Interest Margin | 4.08% | 3.76% | 3.83% | 3.78% | 3.80% | 3.42% | 3.36% | 3.30% | -47 bps | |
| Efficiency Ratio | 92.11% | 94.17% | 92.37% | 91.92% | 91.40% | 101.49% | 99.23% | 99.02% | +710 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.48% | 0.02% | -2.53% | -0.66% | 5.73% | 5.62% | 8.59% | 9.75% | +1,040 bps | |
| Loan Growth (YoY) | 5.54% | 8.89% | 2.12% | 4.03% | 5.82% | 4.31% | 6.54% | -1.89% | -592 bps | |
| Share Growth (YoY) | -5.25% | -0.21% | -3.18% | -1.22% | 6.14% | 5.99% | 9.44% | 10.68% | +1,190 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.19% | 0.18% | 1.02% | 0.75% | 0.67% | 0.25% | 0.00% | -102 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 | 0.70% | 0.70% | 0.64% | 0.56% | 0.54% | 0.37% | 0.37% | 0.20% | -36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.83% | 13.14% | 13.48% | 13.35% | 13.49% | 12.89% | 12.81% | 12.61% | -74 bps | |
| Net Worth / Assets | 13.83% | 13.14% | 13.48% | 13.35% | 13.49% | 12.89% | 12.81% | 12.61% | -74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.67% | 86.65% | 87.81% | 91.82% | 91.39% | 85.28% | 85.48% | 81.40% | -1,042 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |