Fall River, MA · Charter 9616
Q3 2012
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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.67% | -0.80% | -1.07% | -1.10% | -1.52% | -5.30% | -3.80% | -3.80% | -270 bps | |
| Return on Equity | -10.28% | -4.99% | -6.80% | -6.83% | -9.57% | -35.02% | -25.68% | -28.18% | -2,135 bps | |
| Net Interest Margin | 4.16% | 4.14% | 4.24% | 4.43% | 4.50% | 4.36% | 4.30% | 3.72% | -71 bps | |
| Efficiency Ratio | 116.93% | 118.43% | 123.50% | 122.34% | 128.89% | 137.19% | 142.75% | 164.97% | +4,262 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.86% | -10.71% | -1.92% | -5.66% | -9.96% | -9.96% | -11.35% | -5.28% | +38 bps | |
| Loan Growth (YoY) | 6.61% | -1.77% | 3.11% | 0.42% | -3.22% | -4.69% | -7.38% | -20.12% | -2,054 bps | |
| Share Growth (YoY) | -5.21% | -9.20% | 0.27% | -3.93% | -9.53% | -8.95% | -10.29% | -2.36% | +157 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.99% | 2.30% | 2.67% | 3.61% | 18.02% | 10.08% | 11.20% | 13.91% | +1,030 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 | 1.70% | 1.54% | 1.56% | 1.56% | 1.11% | 2.45% | 2.54% | 2.93% | +137 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.22% | 16.04% | 15.68% | 16.12% | 15.91% | 15.13% | 14.80% | 13.48% | -264 bps | |
| Net Worth / Assets | 16.22% | 16.04% | 15.68% | 16.12% | 15.91% | 15.13% | 14.80% | 13.48% | -264 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.39% | 76.82% | 75.87% | 80.04% | 79.58% | 80.42% | 78.33% | 65.48% | -1,456 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |