Chicopee, MA · Charter 10547
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.10% | -0.41% | -0.32% | -0.15% | -2.24% | -3.51% | -2.62% | -230 bps | |
| Return on Equity | 1.57% | 1.32% | -5.53% | -4.49% | -1.94% | -33.47% | -61.90% | -45.39% | -4,090 bps | |
| Net Interest Margin | 5.99% | 6.01% | 5.65% | 5.63% | 5.94% | 5.07% | 4.97% | 5.04% | -59 bps | |
| Efficiency Ratio | 89.76% | 89.81% | 89.02% | 89.99% | 88.89% | 121.85% | 116.63% | 109.84% | +1,985 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.83% | 4.01% | 0.80% | 1.72% | -0.70% | 7.68% | -0.50% | -6.51% | -824 bps | |
| Loan Growth (YoY) | 24.10% | 16.89% | -4.66% | -20.27% | -25.47% | -24.17% | -20.17% | -19.60% | +67 bps | |
| Share Growth (YoY) | 2.12% | 4.38% | 0.99% | 10.77% | -0.07% | 9.49% | 1.13% | -5.07% | -1,583 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.90% | 2.51% | 3.71% | 3.66% | 3.48% | 3.01% | 3.66% | 3.64% | -1 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 | 1.63% | 1.51% | 2.35% | 2.05% | 1.74% | 1.32% | 0.92% | 1.37% | -68 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.73% | 7.96% | 7.32% | 7.13% | 7.64% | 6.69% | 5.66% | 5.77% | -136 bps | |
| Net Worth / Assets | 7.73% | 7.96% | 7.32% | 7.13% | 7.64% | 6.69% | 5.66% | 5.77% | -136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.41% | 74.39% | 63.55% | 58.39% | 58.48% | 51.52% | 50.17% | 49.45% | -894 bps | |
| Liquid Assets / Assets | 20.71% | 24.66% | 35.08% | 39.56% | 39.46% | 45.73% | 46.46% | 47.22% | +766 bps | |