Providence, RI · Charter 24448
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
Providence, RI · Charter 24448
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.19% | 0.46% | 0.07% | 0.96% | 1.08% | 0.80% | 0.17% | +10 bps | |
| Return on Equity | 2.46% | 0.94% | 2.40% | 0.38% | 5.05% | 5.82% | 4.28% | 0.90% | +52 bps | |
| Net Interest Margin | 5.32% | 5.29% | 5.08% | 5.12% | 5.10% | 4.72% | 4.74% | 4.92% | -19 bps | |
| Efficiency Ratio | 87.97% | 92.22% | 87.20% | 87.40% | 85.09% | 83.41% | 87.36% | 93.23% | +583 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.82% | 4.97% | 10.23% | 4.45% | 3.36% | 7.88% | 4.87% | 1.98% | -247 bps | |
| Loan Growth (YoY) | 8.23% | -5.84% | -6.41% | -8.88% | -10.19% | -1.81% | -5.26% | 2.30% | +1,118 bps | |
| Share Growth (YoY) | 7.67% | 5.21% | 12.28% | 5.52% | 4.06% | 9.61% | 2.52% | 2.20% | -332 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.56% | 2.80% | 3.26% | 1.85% | 1.35% | 0.72% | 0.78% | -247 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 | 1.63% | 1.59% | 1.79% | 2.07% | 2.17% | 2.18% | 1.25% | 1.22% | -85 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.54% | 19.77% | 19.18% | 19.05% | 19.10% | 18.62% | 18.62% | 18.85% | -20 bps | |
| Net Worth / Assets | 19.54% | 19.77% | 19.18% | 19.05% | 19.10% | 18.62% | 18.62% | 18.85% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.65% | 75.41% | 74.86% | 74.18% | 70.47% | 67.56% | 69.17% | 74.25% | +7 bps | |
| Liquid Assets / Assets | 29.63% | 33.13% | 35.13% | 20.18% | 27.32% | 24.91% | 16.98% | 11.09% | -909 bps | |