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Redberry

Dorchester, MA · Charter 66375

Q4 1999

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1999, the quarter ended December 31, 1999, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Redberry

Dorchester, MA · Charter 66375

Q4 1999

$5.7MAssets
$4.0MLoans
$5.3MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -0.53%, down 405 bps year over year; NIM at 5.70%.
  • Asset quality: problem loans at 4.96% of loans (-463 bps YoY).
  • Funding: loans stand at 75.21% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

-0.53%-405 bps YoY

Net Interest Margin (YTD, annualized)

5.70%
n/a

Efficiency Ratio (YTD, annualized)

72.77%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets3.01%2.67%4.32%3.52%4.04%2.54%2.37%-0.53%-405 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a5.70%n/an/a
Efficiency Ration/an/an/an/an/an/an/a72.77%n/an/a
Growth
Asset Growth (YoY)12.85%42.12%76.66%144.84%193.19%177.47%119.01%71.45%-7,340 bps
Loan Growth (YoY)19.84%25.23%56.09%105.90%132.28%125.99%105.82%57.70%-4,820 bps
Share Growth (YoY)12.53%44.63%79.26%155.82%207%188.34%127.08%75.61%-8,021 bps
Asset Quality
Delinquent Loans / Loans2.83%5.37%4.77%9.59%5.38%4.78%5.30%4.96%-463 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.33%1.22%0.94%1.09%1.21%1.85%1.80%2.69%+161 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares99.88%87.83%83.40%83.75%75.62%68.84%75.59%75.21%-854 bps
Liquid Assets / Assets4.64%12.57%20.08%13.68%14.58%22.93%18.11%16.53%+285 bps