Thorndike, MA · Charter 68058
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | -0.83% | 2.69% | 2.56% | 0.69% | -0.67% | 0.40% | 0.00% | -256 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 | -16.52% | -10.86% | -5.96% | 5.15% | -10.86% | -14.38% | -94.98% | -8,901 bps | |
| Loan Growth (YoY) | n/a | -6.73% | -35.06% | -31.43% | 0.96% | -30.59% | -18.26% | -100.00% | -6,857 bps | |
| Share Growth (YoY) | n/a | -21.49% | -15.95% | -10.88% | 8.33% | -13.98% | -15.91% | -100.00% | -8,912 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.97% | 10.16% | 6.96% | 3.83% | 18.73% | 9.34% | 10.45% | n/a | n/a | |
| 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 | 5.16% | 9.37% | 6.87% | 6.02% | 10.57% | 8.86% | 9.26% | n/a | n/a | |
| 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 | 36.56% | 37.79% | 30.83% | 30.64% | 34.07% | 30.49% | 29.96% | n/a | n/a | |
| Liquid Assets / Assets | 73.15% | 71.56% | 69.71% | 65.34% | 65.38% | 67.75% | 68.71% | 0.00% | -6,534 bps | |