North Kingstown, RI · Charter 16554
Q4 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.20% | -0.29% | 0.25% | -0.02% | -0.07% | +13 bps | |
| Return on Equity | -2.39% | -3.55% | 2.77% | -0.24% | -0.83% | +156 bps | |
| Net Interest Margin | 3.97% | 4.03% | 4.60% | 4.26% | 3.99% | +2 bps | |
| Efficiency Ratio | 104.20% | 106.15% | 95.37% | 100.41% | 101.50% | -270 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.48% | -4.97% | -12.01% | -12.98% | 0.66% | -182 bps | |
| Loan Growth (YoY) | 7.19% | 3.55% | -2.89% | -10.82% | -16.03% | -2,323 bps | |
| Share Growth (YoY) | 3.38% | -8.24% | -13.82% | -15.96% | -0.91% | -429 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.48% | 0.53% | 0.65% | 1.78% | +141 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.68% | 0.70% | 0.67% | 0.52% | 0.61% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.52% | 8.09% | 8.89% | 8.63% | 8.39% | -13 bps | |
| Net Worth / Assets | 8.52% | 8.09% | 8.89% | 8.63% | 8.39% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.67% | 52.03% | 59.31% | 56.66% | 46.33% | -834 bps | |
| Liquid Assets / Assets | 24.06% | 23.09% | 16.72% | 27.31% | 36.56% | +1,250 bps | |