Holden, MA · Charter 21953
Q4 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 2.58% | 2.19% | 2.38% | 2.74% | 2.73% | 2.15% | 2.34% | -4 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | 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 | -6.91% | -7.78% | -7.34% | -5.25% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -67.30% | -75.38% | -82.04% | -72.65% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -7.14% | -8.74% | -7.22% | -4.80% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 17.82% | 15.78% | 6.60% | 21.86% | 0.00% | 50.91% | 100.00% | +9,340 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 | 4.21% | 4.26% | 5.12% | 8.53% | 9.71% | 14.96% | 52.21% | 51.34% | +4,281 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 | 39.08% | 28.90% | 24.89% | 15.29% | 13.76% | 7.80% | 4.82% | 4.39% | -1,090 bps | |
| Liquid Assets / Assets | 61.20% | 62.28% | 37.76% | 84.93% | 84.46% | 88.63% | 97.02% | 95.49% | +1,056 bps | |