Natick, MA · Charter 9618
Q2 1998
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 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.01% | 3.26% | 3.15% | 3.23% | 2.70% | 1.80% | 2.50% | 1.48% | -175 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 | -13.87% | -5.52% | -7.73% | -0.27% | 3.16% | +1,702 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 18.63% | 7.56% | -7.10% | -8.63% | -17.47% | -3,610 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -15.78% | -12.52% | -8.86% | -0.68% | 4.00% | +1,978 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.71% | 2.06% | 4.08% | 3.84% | 4.68% | 4.79% | 5.58% | 5.28% | +144 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 | 2.14% | 1.40% | 1.78% | 1.76% | 2.08% | 1.78% | 1.99% | 2.32% | +56 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 | 63.00% | 77.78% | 76.58% | 78.10% | 77.46% | 79.28% | 70.46% | 61.98% | -1,612 bps | |
| Liquid Assets / Assets | 31.19% | 8.21% | 16.42% | 18.41% | 24.99% | 14.58% | 13.76% | 21.16% | +275 bps | |