Amherst, MA · Charter 17329
Q4 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.27% | 4.80% | 4.78% | 4.78% | 4.84% | 5.13% | 4.49% | 0.93% | -384 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 | 2.84% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 67.36% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.91% | -3.57% | 10.30% | 13.53% | 10.59% | 19.60% | 27.26% | 20.27% | +674 bps | |
| Loan Growth (YoY) | 8.84% | 32.41% | 41.93% | 69.31% | 67.85% | 42.60% | 30.77% | 22.60% | -4,671 bps | |
| Share Growth (YoY) | -10.19% | -6.30% | 10.25% | 12.56% | 7.35% | 18.92% | 23.88% | 19.99% | +742 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.84% | 1.34% | 0.51% | 0.50% | 0.56% | 0.89% | 0.61% | +10 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 | 2.32% | 2.10% | 2.85% | 1.97% | 1.67% | 1.77% | 1.28% | 1.03% | -94 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 | 35.20% | 42.75% | 42.96% | 47.49% | 55.04% | 51.26% | 45.35% | 48.52% | +103 bps | |
| Liquid Assets / Assets | 21.69% | 9.48% | 7.98% | 10.66% | 9.84% | 20.25% | 0.00% | 14.83% | +417 bps | |