Pawtucket, RI · Charter 66298
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.83% | 0.56% | 0.30% | -0.58% | -0.39% | -0.33% | -0.24% | -54 bps | |
| Return on Equity | 3.98% | 10.66% | 6.75% | 3.68% | -7.62% | -5.20% | -4.39% | -3.38% | -706 bps | |
| Net Interest Margin | 4.31% | 3.74% | 3.95% | 4.00% | 3.35% | 3.52% | 3.54% | 3.56% | -44 bps | |
| Efficiency Ratio | 92.19% | 78.10% | 84.89% | 90.91% | 115.88% | 110.35% | 108.63% | 106.84% | +1,593 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.65% | 1.08% | -2.34% | -10.21% | -0.74% | -4.80% | 1.52% | 4.17% | +1,438 bps | |
| Loan Growth (YoY) | -12.88% | -6.13% | -21.72% | -6.15% | -3.54% | 7.87% | 14.30% | 2.27% | +841 bps | |
| Share Growth (YoY) | -4.97% | -0.43% | -2.47% | -10.76% | -0.10% | -4.87% | 2.08% | 5.14% | +1,590 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.94% | 2.54% | 3.21% | 2.53% | 3.63% | 2.35% | 2.19% | 0.78% | -175 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 | 1.39% | 1.12% | 1.14% | 0.94% | 1.02% | 0.81% | 0.82% | 0.65% | -29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.62% | 7.76% | 8.26% | 8.05% | 7.55% | 7.54% | 7.49% | 7.22% | -84 bps | |
| Net Worth / Assets | 7.62% | 7.76% | 8.26% | 8.05% | 7.55% | 7.54% | 7.49% | 7.22% | -84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.27% | 44.56% | 42.80% | 47.81% | 42.74% | 50.53% | 47.92% | 46.51% | -131 bps | |
| Liquid Assets / Assets | 37.77% | 36.79% | 40.27% | 34.82% | 41.62% | 33.81% | 31.45% | 38.98% | +416 bps | |