New Bedford, MA · Charter 9484
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 | 4.90% | 5.50% | 4.37% | 5.75% | 5.41% | 5.17% | 5.13% | 4.86% | -89 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 | -2.37% | 5.32% | 0.38% | -3.24% | -1.02% | -9.35% | 2.22% | +184 bps | |
| Loan Growth (YoY) | n/a | 22.44% | 2.57% | -10.71% | -24.84% | -36.03% | -39.09% | -44.50% | -3,379 bps | |
| Share Growth (YoY) | n/a | -4.22% | 5.12% | -0.25% | -3.73% | -0.98% | -10.38% | 2.39% | +264 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.10% | 1.17% | 2.26% | 0.62% | 2.45% | 2.06% | 0.87% | 4.99% | +437 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 | 2.48% | 2.13% | 3.87% | 4.63% | 5.07% | 5.65% | 6.35% | 6.28% | +165 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 | 40.07% | 41.72% | 37.87% | 33.90% | 31.28% | 26.95% | 25.74% | 18.38% | -1,553 bps | |
| Liquid Assets / Assets | 57.11% | 59.88% | 61.79% | 67.49% | 64.28% | 58.91% | 73.89% | 77.35% | +986 bps | |