Madison, ME · Charter 10733
Q4 2001
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.06% | 4.24% | 3.79% | 1.31% | -1.42% | -0.68% | -0.72% | -0.66% | -197 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -5.97% | -7.26% | -6.94% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 6.27% | 6.83% | 6.73% | 6.25% | 6.07% | -21 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 81.89% | 79.13% | 80.24% | 88.64% | 91.02% | +913 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.76% | 40.09% | 27.93% | 20.24% | 1.80% | 5.79% | 11.62% | 13.19% | -705 bps | |
| Loan Growth (YoY) | 9.63% | 5.02% | 12.09% | 18.81% | 35.07% | 21.43% | 13.33% | 2.58% | -1,623 bps | |
| Share Growth (YoY) | 10.39% | 40.00% | 27.35% | 18.95% | 0.10% | 5.93% | 13.51% | 16.67% | -228 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.61% | 2.76% | 3.03% | 6.46% | 6.24% | 5.34% | 5.15% | 4.16% | -230 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 | 2.10% | 1.40% | 1.20% | 1.39% | 2.96% | 2.33% | 2.80% | 1.73% | +34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 11.31% | 9.87% | 9.55% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 11.31% | 9.87% | 9.55% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.57% | 70.40% | 74.17% | 80.44% | 85.78% | 80.71% | 74.06% | 70.73% | -972 bps | |
| Liquid Assets / Assets | 36.87% | 29.70% | 25.00% | 3.68% | 7.41% | 23.72% | 29.07% | 25.00% | +2,133 bps | |