Westerly, RI · Charter 24513
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Westerly, RI · Charter 24513
Q1 2011
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.20% | -3.73% | -1.07% | -1.45% | -1.69% | -3.01% | -1.63% | -1.23% | +22 bps | |
| Return on Equity | -1.09% | -23.49% | -6.83% | -9.06% | -10.73% | -20.48% | -12.86% | -9.56% | -49 bps | |
| Net Interest Margin | 4.45% | 3.61% | 3.26% | 3.58% | 3.75% | 3.91% | 3.53% | 3.12% | -46 bps | |
| Efficiency Ratio | 103.56% | 117.53% | 96.31% | 111.28% | 120.15% | 103.46% | 116.95% | 141.64% | +3,036 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.17% | -1.02% | 3.94% | -17.07% | 2.62% | -1.57% | 5.39% | 3.41% | +2,048 bps | |
| Loan Growth (YoY) | -4.47% | -17.79% | 1.51% | 18.29% | 18.07% | 37.74% | 5.72% | -17.35% | -3,564 bps | |
| Share Growth (YoY) | 0.40% | -0.42% | 5.55% | -18.90% | 5.26% | 0.11% | 9.50% | 7.37% | +2,626 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 1.82% | 1.80% | 2.12% | 0.93% | 0.21% | 0.35% | 0.88% | -124 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 | 0.27% | 0.31% | 0.29% | 0.27% | 0.27% | 0.63% | 0.67% | 0.66% | +39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.91% | 15.89% | 15.73% | 16.01% | 15.76% | 14.68% | 12.66% | 12.86% | -315 bps | |
| Net Worth / Assets | 17.91% | 15.89% | 15.73% | 16.01% | 15.76% | 14.68% | 12.66% | 12.86% | -315 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.71% | 60.36% | 69.01% | 83.69% | 84.92% | 83.06% | 66.63% | 64.42% | -1,927 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |