Chelsea, MA · Charter 65703
Q4 2003
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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | -0.07% | -0.74% | -1.35% | -0.66% | -1.33% | -1.74% | -2.31% | -96 bps | |
| Return on Equity | 1.81% | -0.79% | -8.46% | -15.51% | -7.77% | -16.48% | -22.36% | -31.28% | -1,576 bps | |
| Net Interest Margin | 3.44% | 3.39% | 3.55% | 3.72% | 3.24% | 3.37% | 3.56% | 3.81% | +9 bps | |
| Efficiency Ratio | 93.11% | 100.24% | 108.53% | 112.99% | 117.89% | 112.48% | 122.73% | 133.71% | +2,072 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.37% | 11.67% | 5.10% | -7.77% | -10.49% | -12.13% | -10.84% | -10.34% | -257 bps | |
| Loan Growth (YoY) | 10.13% | 2.19% | -8.77% | -25.34% | -31.01% | -32.33% | -21.77% | -22.97% | +237 bps | |
| Share Growth (YoY) | 11.62% | 13.04% | 6.08% | -7.31% | -8.96% | -12.48% | -10.59% | -9.24% | -193 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.38% | 2.82% | 2.89% | 3.72% | 3.96% | 7.91% | 4.18% | 6.52% | +280 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 | 0.22% | 1.21% | 0.46% | 1.67% | 1.50% | 2.71% | 1.78% | 2.66% | +99 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.64% | 8.85% | 8.78% | 8.68% | 8.50% | 8.08% | 7.76% | 7.38% | -131 bps | |
| Net Worth / Assets | 9.64% | 8.85% | 8.78% | 8.68% | 8.50% | 8.08% | 7.76% | 7.38% | -131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.68% | 53.91% | 49.65% | 49.04% | 46.74% | 41.69% | 43.44% | 41.62% | -742 bps | |
| Liquid Assets / Assets | 34.82% | 19.36% | 26.62% | 18.73% | 18.18% | 21.64% | 13.22% | 22.43% | +370 bps | |