Chicopee, MA · Charter 67766
Q2 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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.64% | 4.01% | 4.32% | 4.20% | 1.24% | 0.85% | 1.18% | 0.23% | -397 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 5.60% | 1.11% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.32% | 4.06% | 4.63% | 4.51% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 72.63% | 79.98% | 75.61% | 95.28% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.27% | 10.37% | 3.86% | -1.39% | -0.49% | -5.67% | -5.64% | -4.45% | -306 bps | |
| Loan Growth (YoY) | 43.95% | 53.55% | 35.79% | 21.39% | 8.06% | -15.47% | -18.59% | -8.09% | -2,948 bps | |
| Share Growth (YoY) | 8.49% | 9.24% | 1.26% | -4.80% | -3.63% | -9.41% | -9.75% | -7.43% | -263 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.30% | 0.18% | 0.00% | 0.40% | 0.78% | 2.28% | 0.19% | +19 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 | 0.68% | 0.60% | 0.62% | 0.67% | 0.68% | 0.73% | 0.75% | 0.61% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 21.04% | 20.44% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 21.04% | 20.44% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.08% | 64.66% | 73.14% | 67.15% | 64.00% | 60.34% | 65.97% | 66.68% | -48 bps | |
| Liquid Assets / Assets | 13.79% | 17.13% | 17.16% | 33.74% | 17.15% | 27.32% | 29.37% | 32.57% | -117 bps | |