Fall River, MA · Charter 10415
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.38% | 3.78% | 3.88% | 2.74% | 3.58% | 11.61% | 4.91% | 3.55% | +81 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -3.31% | 0.19% | 20.48% | 9.88% | 7.79% | -9.58% | -22.50% | -4,298 bps | |
| Loan Growth (YoY) | n/a | 4.91% | 3.26% | 0.87% | -7.71% | -4.84% | -14.27% | -16.92% | -1,779 bps | |
| Share Growth (YoY) | n/a | -6.25% | -1.53% | 20.80% | 9.25% | 8.13% | -12.31% | -26.02% | -4,682 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.31% | 0.74% | 0.30% | 1.56% | 0.22% | 0.11% | 0.95% | 0.53% | -103 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 | 2.40% | 2.30% | 1.76% | 2.37% | 0.96% | 1.13% | 1.30% | 1.26% | -112 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.84% | 95.56% | 102.62% | 79.55% | 77.59% | 84.09% | 100.32% | 89.34% | +979 bps | |
| Liquid Assets / Assets | 10.80% | 15.22% | 10.59% | 30.09% | 30.88% | 24.64% | 15.66% | 23.67% | -643 bps | |