Tilton, NH · Charter 7480
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 | 2.23% | 3.57% | 3.36% | 4.39% | 3.68% | 6.29% | 3.08% | 0.40% | -399 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 | 3.66% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 89.53% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.12% | 7.07% | 13.53% | 5.33% | 21.89% | 27.19% | 24.24% | 29.83% | +2,450 bps | |
| Loan Growth (YoY) | 68.47% | 30.37% | 3.94% | -14.98% | -9.57% | -20.53% | -33.51% | -38.44% | -2,346 bps | |
| Share Growth (YoY) | -6.33% | -1.08% | 11.13% | 10.97% | 22.92% | 26.64% | 23.66% | 31.79% | +2,081 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 1.21% | 2.96% | 3.32% | 2.40% | 4.72% | 8.33% | 14.03% | +1,071 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 | 3.90% | 4.73% | 5.50% | 6.76% | 7.12% | 4.45% | 5.83% | 5.72% | -104 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 | 103.91% | 111.53% | 103.08% | 100.92% | 76.44% | 69.99% | 55.42% | 47.14% | -5,378 bps | |
| Liquid Assets / Assets | 16.80% | 9.80% | 19.98% | 19.11% | 33.04% | 39.08% | 52.46% | 53.73% | +3,462 bps | |