Housatonic, MA · Charter 17757
Q4 2003
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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.18% | -1.21% | -0.85% | -1.03% | -0.80% | -1.24% | -1.03% | -1.27% | -24 bps | |
| Return on Equity | -1.29% | -10.32% | -8.48% | -8.34% | -7.15% | -12.11% | -8.85% | -8.10% | +24 bps | |
| Net Interest Margin | 5.25% | 2.84% | 2.37% | 2.88% | 2.46% | 2.48% | 2.91% | 4.05% | +117 bps | |
| Efficiency Ratio | 79.73% | 109.67% | 113.03% | 117.81% | 131.72% | 121.81% | 117.00% | 117.72% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.60% | 3.52% | 33.82% | -5.13% | 10.77% | 5.18% | -19.85% | -27.14% | -2,201 bps | |
| Loan Growth (YoY) | -29.36% | -15.80% | -27.93% | -13.30% | -12.49% | 13.06% | 24.39% | -2.35% | +1,095 bps | |
| Share Growth (YoY) | 0.56% | 4.74% | 41.44% | -5.08% | 14.06% | 7.09% | -21.17% | -29.95% | -2,487 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.55% | 2.80% | 2.98% | 5.28% | 5.64% | 2.14% | 2.06% | 2.41% | -287 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 | 0.45% | 2.48% | 2.64% | 2.41% | 2.58% | 1.08% | 1.04% | 1.22% | -120 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.65% | 11.72% | 10.08% | 12.34% | 11.17% | 10.20% | 11.58% | 15.67% | +333 bps | |
| Net Worth / Assets | 13.65% | 11.72% | 10.08% | 12.34% | 11.17% | 10.20% | 11.58% | 15.67% | +333 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.18% | 26.61% | 21.40% | 29.90% | 25.46% | 28.09% | 33.76% | 41.68% | +1,178 bps | |
| Liquid Assets / Assets | 70.22% | 76.13% | 80.53% | 73.11% | 76.88% | 73.09% | 69.52% | 64.22% | -889 bps | |