South Paris, ME · Charter 11819
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.21% | 3.62% | 3.16% | 3.20% | 2.88% | 0.78% | 0.96% | 1.29% | -191 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 15.15% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.60% | 4.93% | 5.31% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 87.15% | 84.49% | 80.79% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.85% | 3.18% | 3.27% | 12.34% | 9.53% | 11.93% | 11.02% | 6.83% | -551 bps | |
| Loan Growth (YoY) | 10.53% | 12.41% | 3.74% | -7.72% | -1.78% | 9.26% | 23.57% | 44.61% | +5,233 bps | |
| Share Growth (YoY) | 0.68% | 0.98% | 1.36% | 10.91% | 8.26% | 10.82% | 9.91% | 4.96% | -595 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.25% | 2.43% | 4.91% | 2.94% | 3.27% | 5.68% | 2.13% | 2.40% | -54 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 | 1.80% | 1.50% | 1.65% | 1.50% | 1.48% | 1.17% | 0.86% | 0.66% | -85 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.50% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.50% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.96% | 59.60% | 53.42% | 51.14% | 49.86% | 58.76% | 60.05% | 70.45% | +1,932 bps | |
| Liquid Assets / Assets | 35.27% | 23.39% | 27.54% | 20.08% | 45.62% | 19.29% | 23.38% | 25.07% | +499 bps | |