PackageTrendsPeer
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Newport Columbian

Middletown, RI · Charter 24554

Q4 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2007, the quarter ended December 31, 2007, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Newport Columbian

Middletown, RI · Charter 24554

Q4 2007

$1.0MAssets
$555KLoans
$702KShares
$286KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.06%, down 44 bps year over year; NIM at 2.57%.
  • Asset quality: problem loans at 8.47% of loans (-145 bps YoY).
  • Capital: net worth / assets of 28.50%, up 105 bps from a year ago.
  • Funding: loans stand at 79.04% of shares as of Q4 2007.

Financial Results

Return on Assets (YTD, annualized)

-0.06%-44 bps YoY

Net Interest Margin (YTD, annualized)

2.57%-67 bps YoY

Efficiency Ratio (YTD, annualized)

102.14%+2,215 bps YoY

Net Worth / Assets

28.50%+105 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets0.39%0.14%0.07%0.48%-0.06%-44 bps
Return on Equity1.42%0.49%0.26%1.70%-0.19%-161 bps
Net Interest Margin3.25%2.89%2.75%3.08%2.57%-67 bps
Efficiency Ratio79.99%95.23%97.30%84.26%102.14%+2,215 bps
Growth
Asset Growth (YoY)-14.59%-6.88%-3.52%-3.85%-3.68%+1,091 bps
Loan Growth (YoY)-19.87%-14.66%-5.01%3.17%-2.20%+1,767 bps
Share Growth (YoY)-19.59%-9.52%-4.76%-5.63%-5.86%+1,373 bps
Asset Quality
Delinquent Loans / Loans9.92%10.67%9.50%9.94%8.47%-145 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.41%1.44%1.46%1.43%1.44%+3 bps
Capital
Risk-Based Capital27.45%28.35%27.95%28.54%28.50%+105 bps
Net Worth / Assets27.45%28.35%27.95%28.54%28.50%+105 bps
Liquidity & Funding
Loans / Shares76.08%77.45%75.26%77.48%79.04%+296 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps