Dorchester, MA · Charter 7915
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 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.
Dorchester, MA · Charter 7915
Q3 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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.34% | 0.03% | -3.29% | -7.69% | 1.93% | 1.05% | 0.47% | +376 bps | |
| Return on Equity | 3.73% | 2.41% | 0.21% | -24.95% | -81.49% | 20.12% | 10.80% | 4.80% | +2,975 bps | |
| Net Interest Margin | 8.23% | 8.65% | 7.68% | 7.99% | 8.33% | 8.57% | 7.38% | 7.22% | -77 bps | |
| Efficiency Ratio | 79.92% | 62.92% | 78.10% | 81.15% | 84.59% | 77.72% | 85.98% | 93.57% | +1,242 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.16% | 25.28% | 4.83% | -14.63% | -13.94% | -14.88% | -13.30% | -9.10% | +553 bps | |
| Loan Growth (YoY) | 20.48% | 7.48% | -7.21% | -17.13% | -26.51% | -28.07% | -26.09% | -20.73% | -360 bps | |
| Share Growth (YoY) | 25.57% | 35.21% | 8.17% | -15.32% | -9.17% | -10.03% | -8.01% | -4.54% | +1,078 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.42% | 11.23% | 15.23% | 17.02% | 13.45% | 17.02% | 22.70% | 20.63% | +361 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 | 3.54% | 4.65% | 3.17% | 3.14% | 3.82% | 4.93% | 5.37% | 5.73% | +259 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.75% | 14.16% | 14.49% | 13.18% | 9.44% | 9.59% | 9.73% | 9.84% | -334 bps | |
| Net Worth / Assets | 14.75% | 14.16% | 14.49% | 13.18% | 9.44% | 9.59% | 9.73% | 9.84% | -334 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 116.66% | 106.10% | 97.73% | 94.43% | 94.39% | 84.83% | 78.52% | 78.42% | -1,602 bps | |
| Liquid Assets / Assets | 14.10% | 21.54% | 26.95% | 28.42% | 26.33% | 33.54% | 37.77% | 39.11% | +1,069 bps | |