East Greenwich, RI · Charter 24449
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
East Greenwich, RI · Charter 24449
Q2 2002
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.44% | 1.43% | -1.97% | -0.33% | 0.31% | 0.59% | 0.61% | 1.14% | +147 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 1.54% | 3.12% | 3.48% | 6.54% | n/a | |
| Net Interest Margin | n/a | n/a | 6.05% | 5.87% | 5.90% | 5.59% | 5.07% | 5.09% | -78 bps | |
| Efficiency Ratio | n/a | n/a | 104.60% | 98.66% | 89.64% | 82.63% | 77.80% | 76.66% | -2,200 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.50% | -6.77% | -8.48% | -8.64% | 3.27% | 11.30% | 25.80% | 28.65% | +3,730 bps | |
| Loan Growth (YoY) | 3.08% | -0.74% | -10.49% | 0.33% | 2.81% | 17.64% | 17.18% | 16.24% | +1,590 bps | |
| Share Growth (YoY) | -6.12% | -9.58% | -9.16% | -8.61% | 6.08% | 15.76% | 31.50% | 34.08% | +4,270 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.64% | 2.02% | 2.12% | 1.31% | 1.28% | 1.31% | 2.01% | 0.94% | -37 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 | 1.10% | 0.96% | 2.33% | 1.39% | 1.57% | 1.69% | 1.97% | 1.98% | +59 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 20.40% | 18.77% | 17.49% | 17.46% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 20.40% | 18.77% | 17.49% | 17.46% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.25% | 88.95% | 85.59% | 95.12% | 93.29% | 90.39% | 76.27% | 82.46% | -1,266 bps | |
| Liquid Assets / Assets | 20.80% | 11.27% | 11.71% | 17.61% | 21.42% | 20.15% | 24.93% | 1.85% | -1,576 bps | |