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Providence Federal Employees

Providence, RI · Charter 1009

Q2 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Providence Federal Employees

Providence, RI · Charter 1009

Q2 2001

$1.1MAssets
$539KLoans
$940KShares
$132KNet Worth

Executive Summary

  • Earnings: ROA of 0.74%, down 183 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 12.28%.
  • Funding: loans stand at 57.38% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

0.74%-183 bps YoY

Net Interest Margin (YTD, annualized)

3.81%

Efficiency Ratio (YTD, annualized)

80.96%

Net Worth / Assets

12.28%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets3.76%3.83%3.57%2.57%0.32%1.04%1.33%0.74%-183 bps
Return on Equityn/an/an/an/an/an/a10.80%6.05%n/a
Net Interest Marginn/an/an/an/a3.86%3.98%4.32%3.81%n/a
Efficiency Ration/an/an/an/a78.03%66.81%64.83%80.96%n/a
Growth
Asset Growth (YoY)11.00%10.95%21.07%12.21%-0.58%-1.11%-13.71%-13.52%-2,574 bps
Loan Growth (YoY)-10.11%-18.92%-21.21%8.91%3.53%16.24%20.21%-22.96%-3,187 bps
Share Growth (YoY)9.75%9.98%21.64%13.08%-1.73%-2.34%-16.63%-16.17%-2,925 bps
Asset Quality
Delinquent Loans / Loans0.63%0.64%0.87%0.00%0.00%0.79%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.84%0.64%0.65%0.58%0.62%0.84%0.65%0.84%+26 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a12.35%12.28%n/a
Net Worth / Assetsn/an/an/an/an/an/a12.35%12.28%n/a
Liquidity & Funding
Loans / Shares66.05%58.90%53.41%62.43%69.58%70.10%77.02%57.38%-505 bps
Liquid Assets / Assets38.20%44.42%45.24%41.52%18.50%18.20%31.41%48.24%+672 bps