Fall River, MA · Charter 3518
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.87% | 3.12% | 1.97% | 1.68% | 1.77% | 1.92% | 0.85% | -6.68% | -836 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 | 5.38% | 4.79% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 84.87% | 119.51% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.26% | -4.35% | -0.55% | -0.79% | 7.88% | 5.04% | -0.36% | -7.86% | -707 bps | |
| Loan Growth (YoY) | 12.80% | 1.92% | 8.26% | 12.32% | 19.45% | 12.85% | 7.94% | -21.53% | -3,385 bps | |
| Share Growth (YoY) | -11.83% | -7.28% | -2.44% | -2.41% | 7.33% | 5.09% | -1.01% | -5.73% | -332 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.31% | 2.32% | 1.38% | 1.58% | 1.78% | 2.69% | 7.15% | 4.90% | +332 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 | 1.57% | 0.99% | 0.77% | 0.75% | 1.22% | 1.35% | 1.42% | 3.39% | +264 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 | 58.87% | 59.47% | 62.57% | 65.59% | 65.51% | 63.86% | 68.23% | 54.60% | -1,099 bps | |
| Liquid Assets / Assets | 25.15% | 29.68% | 26.55% | 28.64% | 26.97% | 29.18% | 26.90% | 32.11% | +347 bps | |