Lowell, MA · Charter 67843
Q4 1999
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.63% | 4.53% | 5.01% | 5.19% | 4.24% | 2.64% | 2.20% | -2.47% | -766 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 4.98% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 77.62% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.82% | 35.69% | 48.45% | 35.41% | 37.11% | 26.11% | 35.19% | 31.54% | -387 bps | |
| Loan Growth (YoY) | 49.40% | 59.08% | 76.14% | 67.42% | 35.27% | 26.56% | 21.11% | 0.08% | -6,735 bps | |
| Share Growth (YoY) | 6.60% | 39.71% | 53.33% | 36.55% | 38.77% | 28.83% | 41.11% | 41.06% | +451 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 2.73% | 3.12% | 1.15% | 2.01% | 2.15% | 2.80% | 1.05% | -10 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 | 2.31% | 2.00% | 2.06% | 0.93% | 1.04% | 0.90% | 2.10% | 2.25% | +132 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.92% | 91.13% | 88.90% | 98.57% | 89.60% | 89.53% | 76.30% | 69.93% | -2,864 bps | |
| Liquid Assets / Assets | 12.49% | 12.54% | 14.21% | 7.31% | 14.97% | 12.58% | 23.14% | 25.61% | +1,830 bps | |