Cambridge, MA · Charter 8437
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.06% | 4.10% | 4.06% | 3.84% | 4.14% | 3.55% | 0.58% | -1.42% | -525 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 | 3.78% | 4.03% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 82.63% | 133.37% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.26% | 12.53% | 7.06% | 9.89% | -1.21% | -5.38% | -11.86% | -24.84% | -3,474 bps | |
| Loan Growth (YoY) | 9.61% | 10.82% | 7.17% | -6.00% | -8.11% | -17.75% | -12.71% | -15.41% | -942 bps | |
| Share Growth (YoY) | 5.22% | 11.93% | 6.11% | 9.24% | -2.91% | -7.11% | -14.35% | -27.56% | -3,680 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.55% | 1.21% | 0.89% | 1.59% | 0.67% | 0.62% | 1.12% | 0.19% | -141 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 | 0.75% | 0.71% | 0.94% | 1.13% | 1.02% | 0.72% | 0.72% | 0.45% | -68 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 | 64.35% | 61.35% | 61.21% | 55.36% | 60.90% | 54.33% | 62.38% | 64.64% | +928 bps | |
| Liquid Assets / Assets | 23.22% | 20.33% | 15.22% | 24.16% | 23.58% | 36.60% | 24.94% | 2.79% | -2,137 bps | |