Providence, RI · Charter 24602
Q4 2001
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.32% | -0.78% | -0.05% | -1.94% | 5.21% | 3.13% | -4.55% | -0.82% | +112 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 59.80% | -156.67% | n/a | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 2.75% | 4.67% | 5.09% | 3.75% | 3.25% | +50 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 104.26% | 37.30% | 46.57% | 94.22% | 123.23% | +1,898 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 245% | 83.44% | 63.10% | 49.40% | -5.73% | -25,120 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 6632000% | 789% | 79.76% | 113.01% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | 270% | 90.47% | 66.08% | 49.22% | 0.49% | -26,954 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 8.65% | 25.47% | 13.05% | 10.55% | 15.68% | 13.73% | -1,174 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 | 0.00% | 0.00% | 0.00% | 14.03% | 8.67% | 6.97% | 15.50% | 20.41% | +638 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 5.23% | 2.90% | -1.14% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 5.23% | 2.90% | -1.14% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 0.00% | 2.76% | 14.83% | 13.47% | 13.90% | 14.80% | 17.87% | 28.56% | +1,509 bps | |
| Liquid Assets / Assets | 99.02% | 95.73% | 81.64% | 65.17% | 85.18% | 84.72% | 83.02% | 76.14% | +1,097 bps | |