PackageTrendsPeer
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Commonwealth Gas Emp.

Southboro, MA · Charter 67705

Q4 2001

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 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.

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

Commonwealth Gas Emp.

Southboro, MA · Charter 67705

Q4 2001

$7.6MAssets
$2.3MLoans
$7.6MShares
$1KNet Worth

Executive Summary

  • Earnings: ROA of -17.84%, down 1,886 bps year over year; NIM at -9.60%.
  • Asset quality: problem loans at 0.56% of loans (+56 bps YoY).
  • Capital: net worth / assets of 0.01%.
  • Funding: loans stand at 29.89% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-17.84%-1,886 bps YoY

Net Interest Margin (YTD, annualized)

-9.60%-1,399 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

0.01%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.82%3.72%3.48%1.01%1.35%1.23%1.02%-17.84%-1,886 bps
Return on Equityn/an/an/an/an/a7.17%5.75%-166133%n/a
Net Interest Marginn/an/an/a4.38%3.45%4.38%4.04%-9.60%-1,399 bps
Efficiency Ration/an/an/a77.47%68.82%72.75%75.79%n/an/a
Growth
Asset Growth (YoY)-0.47%-3.24%-6.04%-7.35%-9.37%-12.36%-11.98%-8.76%-141 bps
Loan Growth (YoY)-5.14%-11.01%-15.75%-22.27%-16.98%-11.45%-11.54%-18.52%+375 bps
Share Growth (YoY)-3.67%-6.00%-8.82%-10.55%-12.93%-16.63%-16.22%7.53%+1,807 bps
Asset Quality
Delinquent Loans / Loans0.96%0.21%0.40%0.00%0.20%0.12%0.00%0.56%+56 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.42%1.04%1.11%0.96%1.27%1.22%1.28%3.30%+235 bps
Capital
Risk-Based Capitaln/an/an/an/an/a17.15%17.75%0.01%n/a
Net Worth / Assetsn/an/an/an/an/a17.15%17.75%0.01%n/a
Liquidity & Funding
Loans / Shares40.65%40.76%38.62%39.44%38.75%43.30%40.78%29.89%-955 bps
Liquid Assets / Assets54.85%60.92%49.25%43.00%31.68%34.77%35.32%43.83%+83 bps