Southboro, MA · Charter 67705
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Southboro, MA · Charter 67705
Q4 2001
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.01% | 1.35% | 1.23% | 1.02% | -17.84% | -1,886 bps | |
| Return on Equity | n/a | n/a | 7.17% | 5.75% | -166133% | n/a | |
| Net Interest Margin | 4.38% | 3.45% | 4.38% | 4.04% | -9.60% | -1,399 bps | |
| Efficiency Ratio | 77.47% | 68.82% | 72.75% | 75.79% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -7.35% | -9.37% | -12.36% | -11.98% | -8.76% | -141 bps | |
| Loan Growth (YoY) | -22.27% | -16.98% | -11.45% | -11.54% | -18.52% | +375 bps | |
| Share Growth (YoY) | -10.55% | -12.93% | -16.63% | -16.22% | 7.53% | +1,807 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.20% | 0.12% | 0.00% | 0.56% | +56 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.96% | 1.27% | 1.22% | 1.28% | 3.30% | +235 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 17.15% | 17.75% | 0.01% | n/a | |
| Net Worth / Assets | n/a | n/a | 17.15% | 17.75% | 0.01% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.44% | 38.75% | 43.30% | 40.78% | 29.89% | -955 bps | |
| Liquid Assets / Assets | 43.00% | 31.68% | 34.77% | 35.32% | 43.83% | +83 bps | |