Canton, MA · Charter 12660
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.90% | 3.88% | 3.96% | 0.94% | -0.37% | 0.58% | 0.82% | -4.70% | -565 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 4.51% | 7.41% | -83.02% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.62% | 3.61% | 4.52% | 4.38% | 2.45% | -216 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 87.60% | 110.37% | 87.16% | 83.09% | 134.12% | +4,652 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.91% | 9.75% | 6.35% | 12.93% | 14.10% | 6.83% | 23.34% | 22.48% | +955 bps | |
| Loan Growth (YoY) | 10.66% | -2.17% | 0.29% | -0.41% | -11.10% | 6.55% | -5.19% | -11.74% | -1,132 bps | |
| Share Growth (YoY) | -6.48% | 8.58% | 5.64% | 14.12% | 15.60% | 1.56% | 26.33% | 31.79% | +1,767 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.02% | 0.00% | 0.00% | 1.82% | 4.37% | 1.88% | 1.33% | +133 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 | 1.14% | 1.19% | 1.25% | 0.78% | 0.72% | 0.63% | 0.67% | 1.96% | +118 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 12.89% | 11.12% | 5.67% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 12.89% | 11.12% | 5.67% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.12% | 92.19% | 84.51% | 74.38% | 78.53% | 96.72% | 63.42% | 49.81% | -2,456 bps | |
| Liquid Assets / Assets | 8.31% | 14.04% | 22.83% | 24.99% | 23.55% | 18.13% | 42.23% | 52.45% | +2,746 bps | |