Turners Falls, MA · Charter 9221
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.22% | 0.35% | 0.42% | 0.58% | 0.23% | 0.32% | 0.40% | -2 bps | |
| Return on Equity | 5.30% | 3.19% | 5.04% | 6.12% | 8.27% | 3.12% | 4.40% | 5.35% | -76 bps | |
| Net Interest Margin | 4.06% | 3.60% | 3.73% | 3.79% | 3.91% | 4.12% | 4.16% | 4.35% | +56 bps | |
| Efficiency Ratio | 89.07% | 93.25% | 90.48% | 89.17% | 88.79% | 93.58% | 91.57% | 90.60% | +143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.90% | 10.89% | 10.73% | 11.16% | 13.21% | 1.92% | 3.69% | -0.44% | -1,160 bps | |
| Loan Growth (YoY) | 4.85% | 10.51% | 24.40% | 27.42% | 27.63% | 20.22% | 13.85% | 11.95% | -1,546 bps | |
| Share Growth (YoY) | 9.37% | 11.33% | 11.41% | 11.70% | 13.65% | 1.42% | 3.20% | -1.30% | -1,300 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.44% | 0.28% | 0.30% | 0.61% | 0.56% | 0.55% | 0.47% | +17 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 | 0.65% | 0.61% | 0.44% | 0.44% | 0.49% | 0.35% | 0.32% | 0.32% | -12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.45% | 6.78% | 6.89% | 6.87% | 7.02% | 7.24% | 7.21% | 7.46% | +59 bps | |
| Net Worth / Assets | 7.45% | 6.78% | 6.89% | 6.87% | 7.02% | 7.24% | 7.21% | 7.46% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.35% | 63.48% | 71.61% | 73.06% | 74.51% | 75.25% | 79.00% | 82.88% | +982 bps | |
| Liquid Assets / Assets | 33.62% | 36.91% | 28.39% | 25.48% | 23.18% | 21.77% | 18.63% | 16.01% | -947 bps | |