Boston, MA · Charter 18932
Q4 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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.97% | 3.31% | 2.11% | 1.71% | 2.16% | 1.70% | 1.82% | 4.72% | +302 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 5.37% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 2.32% | 1.87% | 5.14% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 39.83% | 2.85% | 8.16% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 35.46% | 21.00% | 10.69% | 3.59% | -15.35% | -10.20% | -5.69% | -12.50% | -1,609 bps | |
| Loan Growth (YoY) | 40.26% | 18.29% | -58.50% | -100.00% | -100.00% | -100.00% | -100.00% | n/a | n/a | |
| Share Growth (YoY) | 70.61% | 102.77% | 16.80% | -1.81% | -46.46% | -64.11% | -28.24% | -66.13% | -6,433 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 14.63% | 60.37% | 100.00% | n/a | n/a | n/a | n/a | n/a | n/a | |
| 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 | 8.16% | 14.97% | 25.63% | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 87.89% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 87.89% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 9.04% | 13.13% | 4.96% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 58.16% | 77.44% | 63.23% | 65.54% | 0.00% | 0.00% | 0.00% | 22.11% | -4,342 bps | |