Lowell, MA · Charter 67857
Q4 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.17% | 3.67% | 4.49% | 4.10% | 3.63% | 3.93% | 3.24% | 3.32% | -78 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -12.12% | -10.57% | -12.77% | -6.10% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -10.48% | -8.69% | -10.49% | -30.97% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -15.10% | -18.84% | -16.31% | -8.95% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.24% | 0.98% | 2.84% | 1.50% | 0.00% | 2.76% | 2.18% | 1.38% | -13 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 | 2.11% | 1.88% | 1.29% | 1.35% | 0.58% | 0.58% | 0.50% | 0.58% | -77 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 | 47.35% | 53.71% | 49.13% | 50.41% | 49.92% | 60.43% | 52.55% | 38.22% | -1,219 bps | |
| Liquid Assets / Assets | 28.52% | 24.54% | 27.63% | 28.53% | 30.58% | 25.03% | 50.55% | 62.76% | +3,424 bps | |