PackageTrendsPeer
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Park Square

Woonsocket, RI · Charter 65546

Q3 2000

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: Q3 2000, the quarter ended September 30, 2000, 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 2026-10-11

Park Square

Woonsocket, RI · Charter 65546

Q3 2000

$67.0MAssets
$46.1MLoans
$58.7MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.07%, up 7 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.01% of loans (-23 bps YoY).
  • Funding: loans stand at 78.51% of shares as of Q3 2000.

Return on Assets (YTD, annualized)

1.07%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.39%-1 bps YoY

Efficiency Ratio (YTD, annualized)

77.46%+293 bps YoY

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000YoY ΔTrend
Earnings
Return on Assets4.05%3.91%3.85%0.99%0.94%1.13%1.23%1.07%+7 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.40%3.45%3.55%3.57%3.39%-1 bps
Efficiency Ration/an/an/a74.54%77.78%75.68%72.84%77.46%+293 bps
Growth
Asset Growth (YoY)7.22%4.73%5.50%5.59%2.90%5.74%6.31%4.27%-132 bps
Loan Growth (YoY)5.34%0.02%1.94%3.91%5.14%7.43%5.90%3.02%-89 bps
Share Growth (YoY)6.71%4.14%5.26%5.65%2.54%5.58%5.75%3.66%-199 bps
Asset Quality
Delinquent Loans / Loans0.41%0.29%0.31%0.24%0.42%0.05%0.01%0.01%-23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.13%1.23%1.23%1.17%0.96%0.89%0.83%0.73%-44 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares78.40%76.86%77.43%79.00%80.38%78.21%77.54%78.51%-49 bps
Liquid Assets / Assets9.52%9.59%12.39%8.96%5.85%10.17%9.24%9.32%+36 bps