Lincoln, RI · Charter 24597
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.
Lincoln, RI · Charter 24597
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 | -0.53% | -0.31% | -0.34% | -0.20% | -0.26% | 0.13% | -0.24% | -0.65% | -45 bps | |
| Return on Equity | -5.39% | -3.24% | -3.68% | -2.19% | -2.74% | 1.38% | -2.64% | -7.04% | -485 bps | |
| Net Interest Margin | 3.30% | 2.88% | 2.81% | 2.89% | 3.00% | 3.59% | 3.27% | 3.23% | +34 bps | |
| Efficiency Ratio | 99.13% | 112.95% | 113.60% | 106.33% | 113.47% | 97.57% | 107.12% | 119.12% | +1,279 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.02% | -5.72% | -4.39% | -1.52% | 1.70% | -1.09% | -3.34% | -6.65% | -513 bps | |
| Loan Growth (YoY) | -17.38% | 1.95% | 0.78% | 1.42% | 5.80% | -5.29% | -2.81% | -6.55% | -797 bps | |
| Share Growth (YoY) | 0.56% | -5.68% | -3.97% | -8.28% | 2.12% | -1.04% | -3.60% | -0.08% | +820 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.85% | 0.80% | 1.02% | 2.21% | 2.34% | 2.08% | 2.29% | 2.95% | +74 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 | 0.44% | 0.37% | 0.37% | 0.14% | 0.13% | 0.11% | 0.14% | 0.10% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.75% | 9.54% | 9.14% | 9.21% | 9.33% | 9.47% | 9.25% | 9.27% | +6 bps | |
| Net Worth / Assets | 9.75% | 9.54% | 9.14% | 9.21% | 9.33% | 9.47% | 9.25% | 9.27% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.28% | 37.17% | 33.86% | 36.14% | 34.48% | 35.58% | 34.14% | 33.80% | -234 bps | |
| Liquid Assets / Assets | 36.71% | 44.26% | 50.16% | 43.29% | 42.76% | 26.17% | 46.21% | 47.28% | +398 bps | |