Providence, RI · Charter 24607
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Providence, RI · Charter 24607
Q3 2003
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | -0.54% | 0.23% | -0.49% | 0.21% | 0.42% | -1.19% | -5.38% | -489 bps | |
| Return on Equity | 0.15% | -2.10% | 0.95% | -2.02% | 0.84% | 1.84% | -5.16% | -27.23% | -2,522 bps | |
| Net Interest Margin | 6.02% | 5.97% | 5.80% | 5.75% | 5.46% | 4.85% | 4.90% | 0.39% | -536 bps | |
| Efficiency Ratio | 89.74% | 94.26% | 88.02% | 86.37% | 86.85% | 84.29% | 82.92% | 853% | +76,705 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.75% | -0.57% | 0.71% | 4.85% | -0.89% | 12.88% | 2.61% | 4.16% | -68 bps | |
| Loan Growth (YoY) | 4.69% | -7.68% | 3.79% | 0.36% | -0.19% | -2.85% | -14.81% | -14.19% | -1,455 bps | |
| Share Growth (YoY) | -6.95% | 0.97% | 1.82% | 7.93% | -0.31% | 17.05% | 4.35% | 10.78% | +284 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.12% | 2.04% | 2.64% | 3.57% | 2.69% | 1.94% | 1.58% | 0.76% | -281 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 | 1.51% | 1.56% | 1.76% | 2.79% | 1.17% | 0.17% | 2.24% | 2.52% | -26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.98% | 25.53% | 24.14% | 24.19% | 24.88% | 22.91% | 23.02% | 19.74% | -445 bps | |
| Net Worth / Assets | 24.98% | 25.53% | 24.14% | 24.19% | 24.88% | 22.91% | 23.02% | 19.74% | -445 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.89% | 85.97% | 86.29% | 86.65% | 82.98% | 71.36% | 70.45% | 67.12% | -1,953 bps | |
| Liquid Assets / Assets | 31.19% | 34.19% | 16.35% | 33.06% | 34.93% | 42.76% | 43.82% | 39.18% | +612 bps | |