Portland, ME · Charter 18744
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 | 3.49% | 3.02% | 3.02% | 2.89% | 3.35% | 2.90% | -0.02% | 0.00% | -289 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 | 6.42% | 7.11% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 91.47% | 89.10% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.40% | -10.18% | -6.37% | -11.24% | -2.08% | -10.92% | -6.97% | -9.91% | +133 bps | |
| Loan Growth (YoY) | -10.52% | -11.02% | -15.47% | -5.68% | -8.65% | -15.63% | -0.25% | -8.99% | -331 bps | |
| Share Growth (YoY) | -19.33% | -12.95% | -7.81% | -13.98% | -0.76% | -14.11% | -23.83% | -12.31% | +166 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.61% | 1.98% | 1.55% | 2.08% | 0.64% | 2.81% | 1.92% | 2.52% | +44 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 | 1.54% | 1.57% | 1.86% | 1.89% | 2.02% | 2.21% | 1.07% | 1.67% | -23 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 | 120.39% | 108.60% | 103.46% | 109.78% | 110.81% | 106.67% | 135.49% | 113.95% | +416 bps | |
| Liquid Assets / Assets | 1.73% | 4.18% | 6.38% | 5.32% | 2.15% | 8.48% | 0.10% | 0.00% | -532 bps | |