Canton, MA · Charter 67753
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.42% | 3.36% | 3.63% | 3.04% | 3.03% | 0.04% | 0.42% | 0.02% | -303 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.23% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 2.81% | 3.37% | 3.47% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 98.56% | 87.52% | 99.50% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.33% | -10.30% | -13.65% | -7.56% | -7.71% | 0.97% | 2.46% | -4.68% | +288 bps | |
| Loan Growth (YoY) | -17.11% | -18.79% | -20.02% | -28.49% | -4.96% | 22.29% | 22.80% | 20.65% | +4,913 bps | |
| Share Growth (YoY) | -18.67% | -14.07% | -19.05% | -10.67% | -10.73% | 1.12% | 3.42% | -6.64% | +403 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.89% | 1.30% | 0.00% | 0.33% | 0.00% | 0.00% | 1.68% | +168 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 | 1.34% | 0.94% | 1.49% | 1.39% | 1.34% | 0.59% | 0.29% | 0.35% | -104 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 7.45% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 7.45% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.05% | 23.14% | 25.57% | 22.14% | 26.67% | 27.99% | 30.36% | 28.61% | +647 bps | |
| Liquid Assets / Assets | 31.60% | 36.87% | 31.33% | 32.20% | 32.76% | 30.15% | 32.00% | 45.99% | +1,379 bps | |