Lowell, MA · Charter 21976
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.88% | 5.40% | 5.24% | 5.26% | 5.13% | 4.29% | 4.68% | 4.00% | -126 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 | 2.75% | 11.90% | 6.51% | -1.06% | -3.15% | -2.83% | -2.50% | -901 bps | |
| Loan Growth (YoY) | n/a | -1.27% | -5.64% | -7.89% | -7.15% | -12.69% | -11.13% | -19.81% | -1,192 bps | |
| Share Growth (YoY) | n/a | -0.06% | 10.09% | 4.44% | -4.21% | -5.82% | -5.62% | -4.83% | -927 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 1.58% | 1.98% | 1.56% | 2.02% | 2.73% | 2.29% | 1.82% | +26 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 | 3.76% | 3.94% | 2.75% | 2.48% | 2.46% | 2.53% | 3.15% | 3.02% | +54 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 | 61.70% | 61.25% | 58.50% | 59.06% | 59.81% | 56.78% | 55.08% | 49.76% | -930 bps | |
| Liquid Assets / Assets | 44.49% | 45.29% | 44.68% | 46.93% | 44.20% | 43.19% | 35.42% | 46.28% | -65 bps | |