Pawtucket, RI · Charter 23716
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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 23716
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.80% | 2.68% | 2.75% | 2.38% | 2.38% | 3.16% | 3.26% | -1.64% | -402 bps | |
| Return on Equity | -5.07% | 16.86% | 16.69% | 13.72% | 14.07% | 18.86% | 16.96% | -8.75% | -2,247 bps | |
| Net Interest Margin | 5.50% | 5.21% | 5.25% | 5.36% | 4.95% | 5.11% | 5.47% | 5.91% | +55 bps | |
| Efficiency Ratio | 49.92% | 49.01% | 48.52% | 56.11% | 52.31% | 38.19% | 40.85% | 40.01% | -1,610 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.82% | 11.66% | 20.94% | 8.90% | 9.09% | 11.12% | -0.23% | -9.20% | -1,810 bps | |
| Loan Growth (YoY) | -4.63% | -6.10% | -6.40% | -8.03% | 5.15% | 1.98% | 6.95% | -13.11% | -508 bps | |
| Share Growth (YoY) | 16.82% | 15.42% | 25.88% | 11.44% | 7.76% | 10.04% | -3.57% | -10.66% | -2,210 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.42% | 9.75% | 9.70% | 10.21% | 8.72% | 5.10% | 11.17% | 14.31% | +410 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 | 8.96% | 9.92% | 9.42% | 9.55% | 9.08% | 3.72% | 3.89% | 8.42% | -112 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.85% | 15.92% | 16.47% | 17.34% | 16.91% | 16.75% | 19.24% | 18.71% | +137 bps | |
| Net Worth / Assets | 15.85% | 15.92% | 16.47% | 17.34% | 16.91% | 16.75% | 19.24% | 18.71% | +137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.23% | 41.46% | 44.45% | 46.17% | 46.09% | 38.43% | 49.30% | 44.90% | -127 bps | |
| Liquid Assets / Assets | 51.54% | 47.86% | 54.73% | 53.44% | 53.95% | 37.46% | 40.57% | 29.66% | -2,378 bps | |