West Quincy, MA · Charter 7892
Q1 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.22% | 0.02% | 0.61% | 0.50% | 0.32% | 0.44% | -97.68% | -9,829 bps | |
| Return on Equity | 0.60% | 0.61% | 0.05% | 1.62% | 1.31% | 0.80% | 1.07% | -533% | -53,427 bps | |
| Net Interest Margin | 2.92% | 3.00% | 3.00% | 3.21% | 3.24% | 3.37% | 3.52% | -67.47% | -7,068 bps | |
| Efficiency Ratio | 92.95% | 92.77% | 97.55% | 81.11% | 84.59% | 90.52% | 87.65% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.58% | 0.38% | 0.09% | -6.04% | -8.76% | -10.44% | -11.13% | -11.29% | -525 bps | |
| Loan Growth (YoY) | 5.90% | 17.93% | 10.51% | -5.14% | 4.97% | -9.80% | -8.03% | 1.71% | +685 bps | |
| Share Growth (YoY) | 9.34% | 0.70% | 0.12% | -9.65% | -13.65% | -16.31% | -18.02% | 16.67% | +2,632 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.08% | 0.05% | 0.04% | 0.34% | 1.35% | 2.00% | 0.68% | +64 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 | 0.01% | 0.03% | 0.23% | 0.26% | 0.25% | 0.30% | 0.32% | 0.00% | -26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 34.77% | 35.64% | 36.03% | 37.68% | 38.26% | 39.87% | 40.98% | 18.34% | -1,934 bps | |
| Net Worth / Assets | 34.77% | 35.64% | 36.03% | 37.68% | 38.26% | 39.87% | 40.98% | 18.34% | -1,934 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.88% | 51.08% | 51.12% | 50.66% | 54.56% | 55.06% | 57.34% | 44.16% | -650 bps | |
| Liquid Assets / Assets | 68.27% | 64.68% | 64.83% | 65.93% | 63.90% | 64.24% | 63.66% | 61.61% | -432 bps | |