East Longmeadow, MA · Charter 16613
Q2 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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.29% | 3.63% | 3.86% | 3.66% | 3.39% | 3.64% | 0.88% | 1.08% | -257 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 | 3.85% | 3.67% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 78.72% | 71.70% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 37.95% | 46.11% | 43.00% | 48.51% | 19.27% | 29.45% | 32.76% | 25.79% | -2,272 bps | |
| Loan Growth (YoY) | 91.33% | 111.75% | 129.01% | 148.42% | 30.65% | 25.35% | 33.53% | 35.21% | -11,320 bps | |
| Share Growth (YoY) | 35.86% | 40.01% | 36.38% | 41.41% | 18.08% | 28.31% | 27.38% | 25.82% | -1,559 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 0.61% | 0.58% | 0.00% | 0.22% | 0.00% | 0.22% | 0.19% | +19 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 | 1.15% | 1.03% | 0.96% | 0.88% | 0.78% | 0.50% | 0.36% | 0.51% | -37 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 | 51.81% | 53.85% | 62.22% | 56.24% | 57.33% | 52.61% | 65.22% | 60.44% | +420 bps | |
| Liquid Assets / Assets | 22.48% | 39.39% | 20.68% | 16.29% | 38.32% | 24.67% | 16.56% | 9.55% | -674 bps | |