Newport, RI · Cert 30626
FDIC
Q2 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.33% | 0.36% | 0.30% | 0.32% | 0.36% | 0.48% | 0.54% | +24 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 4.63% | 5.06% | n/a | |
| Net Interest Margin | n/a | n/a | 3.09% | 2.95% | 2.91% | 2.95% | 3.07% | 3.10% | +15 bps | |
| Efficiency Ratio | n/a | n/a | 77.98% | 79.63% | 79.57% | 78.92% | 74.69% | 74.39% | -524 bps | |
| Non-Interest Burden | n/a | n/a | 2.30% | 2.26% | 2.22% | 2.22% | 2.17% | 2.17% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.70% | 1.46% | 4.04% | 3.39% | 2.85% | -0.98% | -7.91% | -8.52% | -1,191 bps | |
| Loan Growth (YoY) | 0.66% | -2.12% | 0.44% | 3.47% | 5.37% | 3.04% | 0.80% | -1.99% | -546 bps | |
| Deposit Growth (YoY) | -1.20% | 1.27% | 4.44% | 3.37% | 3.76% | 8.97% | 2.71% | 2.96% | -41 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | 0.35% | 0.36% | 0.24% | 0.19% | 0.05% | 0.07% | -29 bps | |
| Allowance / Loans | n/a | n/a | 1.03% | 1.00% | 1.04% | 1.12% | 1.11% | 1.09% | +9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | 16.00% | 16.05% | 16.36% | 17.14% | 17.42% | 17.60% | +155 bps | |
| Equity / Assets | n/a | n/a | 9.42% | 9.52% | 9.53% | 10.14% | 10.73% | 11.00% | +148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 130.73% | 130.54% | 129.79% | 134.46% | 132.76% | 123.43% | 127.38% | 127.99% | -646 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 14.42% | 11.98% | 12.31% | 10.96% | 7.17% | 6.67% | -531 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |