Lincoln, RI · Charter 65802
Q4 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.41% | 3.66% | 3.54% | 3.66% | 3.19% | 3.55% | 2.85% | 3.22% | -44 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | -11.36% | -8.25% | -9.57% | -11.64% | -7.62% | -20.62% | -1,237 bps | |
| Loan Growth (YoY) | n/a | n/a | -8.66% | -4.86% | -4.40% | -5.78% | -8.39% | -21.62% | -1,677 bps | |
| Share Growth (YoY) | n/a | n/a | -14.24% | -11.22% | -12.97% | -14.70% | -10.52% | -13.48% | -225 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 0.00% | 0.16% | 0.30% | 0.17% | 0.00% | 0.00% | 0.00% | -30 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% | 1.60% | 1.83% | 1.36% | 0.98% | 0.75% | 0.72% | 0.46% | -90 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.56% | 69.06% | 65.77% | 73.60% | 74.21% | 76.28% | 67.34% | 66.67% | -693 bps | |
| Liquid Assets / Assets | 11.28% | 18.59% | 24.50% | 19.72% | 19.43% | 31.20% | 38.35% | 34.59% | +1,487 bps | |