Amherst, MA · Charter 21949
Q2 1996
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.71% | 1.90% | 1.13% | 0.28% | -0.42% | -313 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 63.55% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 64.76% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 71.71% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.01% | 2.38% | 8.93% | 6.97% | 11.84% | +1,183 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.46% | 1.76% | 2.30% | 3.62% | 4.59% | +213 bps | |
| Capital | |||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.61% | 51.19% | 70.86% | 50.21% | 39.92% | -168 bps | |
| Liquid Assets / Assets | 34.11% | 46.56% | 27.73% | 45.11% | 41.03% | +692 bps | |