Pawtucket, RI · Charter 15981
Q4 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1996, the quarter ended December 31, 1996, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Pawtucket, RI · Charter 15981
Q4 1996
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.64% | 2.53% | 2.19% | 3.00% | 2.98% | -6.51% | -905 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | 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 | n/a | 6.04% | -42.24% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 16.14% | -27.45% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 6.78% | -38.31% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 1.83% | 3.29% | 1.78% | 4.58% | 7.04% | 23.27% | +1,998 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.22% | 1.69% | 1.80% | 2.49% | 2.50% | 9.86% | +817 bps | |
| Capital | ||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | ||||||||
| Loans / Shares | 50.59% | 80.61% | 65.12% | 54.78% | 55.03% | 94.79% | +1,419 bps | |
| Liquid Assets / Assets | 50.40% | 24.29% | 38.04% | 26.25% | 47.91% | 10.67% | -1,363 bps | |