Boston, MA · Charter 12876
Q2 1999
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.72% | 5.04% | 5.65% | 4.79% | 4.85% | 3.57% | 1.58% | 3.57% | -122 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 | -3.39% | -9.38% | -16.95% | -16.59% | -15.15% | -10.72% | -2.75% | +1,421 bps | |
| Loan Growth (YoY) | n/a | -9.93% | -14.65% | -12.69% | -15.22% | -12.70% | -30.89% | -10.27% | +242 bps | |
| Share Growth (YoY) | n/a | -6.10% | -12.63% | -20.33% | -20.11% | -17.88% | -10.76% | -3.37% | +1,696 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 1.15% | 1.43% | 1.96% | 0.94% | 2.16% | 4.36% | 2.16% | +20 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 | 3.07% | 3.25% | 3.15% | 2.55% | 1.97% | 1.66% | 1.90% | 1.66% | -89 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 | 87.45% | 83.18% | 90.77% | 95.23% | 92.81% | 88.43% | 70.29% | 88.43% | -679 bps | |
| Liquid Assets / Assets | 16.58% | 14.93% | 12.23% | 13.96% | 9.91% | 18.54% | 32.90% | 18.54% | +458 bps | |