W. Bridgewater, MA · Charter 24379
Q4 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.66% | 4.92% | 4.80% | 4.96% | 4.39% | 4.41% | 3.84% | 0.23% | -474 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 | 3.43% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 93.05% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.33% | 2.19% | 10.12% | 5.10% | -3.82% | -5.03% | -2.20% | -9.93% | -1,502 bps | |
| Loan Growth (YoY) | -13.32% | -10.10% | -11.48% | -9.91% | -14.09% | -16.50% | -23.29% | -26.49% | -1,658 bps | |
| Share Growth (YoY) | -0.39% | 1.47% | 8.53% | 3.14% | -7.22% | -8.16% | -4.20% | -11.24% | -1,438 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.81% | 1.54% | 1.37% | 2.74% | 2.42% | 1.06% | 1.48% | 1.93% | -81 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 | 1.82% | 1.71% | 1.85% | 1.59% | 1.81% | 1.52% | 1.37% | 0.99% | -60 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 | 61.09% | 61.11% | 57.25% | 58.97% | 56.57% | 55.56% | 45.84% | 48.84% | -1,013 bps | |
| Liquid Assets / Assets | 11.01% | 9.02% | 15.72% | 20.44% | 28.98% | 30.14% | 30.54% | 13.43% | -701 bps | |