Brockton, MA · Charter 68049
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.01% | -0.11% | 0.08% | -0.04% | -0.60% | -0.47% | 0.03% | -0.21% | -17 bps | |
| Return on Equity | -0.09% | -0.91% | 0.65% | -0.31% | -4.74% | -3.59% | 0.23% | -1.76% | -145 bps | |
| Net Interest Margin | 2.87% | 2.89% | 2.87% | 2.90% | 2.93% | 2.96% | 2.87% | 2.95% | +5 bps | |
| Efficiency Ratio | 99.87% | 100.63% | 97.50% | 97.90% | 111.22% | 109.63% | 91.71% | 91.56% | -634 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.04% | 5.55% | 2.16% | -4.78% | -7.29% | -7.64% | -7.33% | -8.53% | -375 bps | |
| Loan Growth (YoY) | -2.80% | -1.49% | -2.34% | -6.74% | -8.01% | -10.38% | -11.84% | -14.37% | -764 bps | |
| Share Growth (YoY) | -2.25% | 0.69% | -1.38% | -2.86% | -6.17% | -7.35% | -5.69% | -7.27% | -441 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 1.15% | 0.88% | 0.93% | 0.56% | 0.19% | 0.75% | 0.90% | -2 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 | 0.10% | 0.14% | 0.11% | 0.13% | 0.16% | 0.14% | 0.17% | 0.23% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.34% | 12.43% | 12.66% | 12.87% | 12.70% | 12.95% | 11.42% | 11.73% | -114 bps | |
| Net Worth / Assets | 12.34% | 12.43% | 12.66% | 12.87% | 12.70% | 12.95% | 11.42% | 11.73% | -114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.32% | 100.26% | 98.81% | 99.51% | 99.33% | 96.99% | 92.37% | 91.89% | -762 bps | |
| Liquid Assets / Assets | 5.45% | 6.09% | 6.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |