Medford, MA · Charter 67885
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.94% | 3.02% | 3.30% | 3.66% | 3.79% | 3.56% | 4.08% | 3.74% | +8 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 | -2.61% | 1.67% | 8.89% | 4.42% | 12.84% | +1,545 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 46.05% | 44.92% | 39.09% | 27.02% | 7.53% | -3,852 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -5.14% | -0.50% | 7.88% | 1.65% | 11.97% | +1,711 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.18% | 0.34% | 0.04% | 0.00% | 0.76% | 0.37% | 0.30% | +26 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 | 1.25% | 1.24% | 1.03% | 0.93% | 0.86% | 0.89% | 0.47% | 0.24% | -69 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 | 43.73% | 43.30% | 54.16% | 58.54% | 63.69% | 55.83% | 67.67% | 56.22% | -232 bps | |
| Liquid Assets / Assets | 15.79% | 27.26% | 37.70% | 39.29% | 35.34% | 39.52% | 37.07% | 41.11% | +182 bps | |