Southboro, MA · Charter 67705
Q4 2001
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.82% | 3.72% | 3.48% | 1.01% | 1.35% | 1.23% | 1.02% | -17.84% | -1,886 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 7.17% | 5.75% | -166133% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.38% | 3.45% | 4.38% | 4.04% | -9.60% | -1,399 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 77.47% | 68.82% | 72.75% | 75.79% | n/a | n/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 / Loans | 0.96% | 0.21% | 0.40% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.42% | 1.04% | 1.11% | 0.96% | 1.27% | 1.22% | 1.28% | 3.30% | +235 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 17.15% | 17.75% | 0.01% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 17.15% | 17.75% | 0.01% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.65% | 40.76% | 38.62% | 39.44% | 38.75% | 43.30% | 40.78% | 29.89% | -955 bps | |
| Liquid Assets / Assets | 54.85% | 60.92% | 49.25% | 43.00% | 31.68% | 34.77% | 35.32% | 43.83% | +83 bps | |