Providence, RI · Charter 66698
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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 66698
Q2 2009
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.46% | 0.45% | 0.43% | 0.72% | 0.36% | -0.17% | 0.74% | +30 bps | |
| Return on Equity | 5.51% | 5.50% | 5.48% | 4.73% | 7.43% | 4.11% | -2.10% | 9.25% | +452 bps | |
| Net Interest Margin | 3.31% | 3.20% | 3.18% | 3.60% | 3.66% | 3.35% | 3.05% | 2.80% | -79 bps | |
| Efficiency Ratio | 90.01% | 89.72% | 89.39% | 89.70% | 83.45% | 87.65% | 98.98% | 81.28% | -842 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.57% | 1.45% | 7.90% | -6.78% | -5.24% | 0.25% | -2.58% | 12.40% | +1,918 bps | |
| Loan Growth (YoY) | -3.02% | -1.14% | 0.85% | -0.78% | 0.06% | 2.04% | 3.05% | 7.22% | +800 bps | |
| Share Growth (YoY) | -2.30% | -3.94% | -4.36% | -6.43% | -0.14% | 5.02% | 8.82% | 19.20% | +2,564 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 1.01% | 1.53% | 2.17% | 2.40% | 3.44% | 2.58% | 3.23% | +106 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 | 0.14% | 0.13% | 0.13% | 0.13% | 0.24% | 0.28% | 0.42% | 0.43% | +30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.52% | 8.40% | 8.28% | 9.15% | 9.65% | 8.73% | 7.97% | 7.97% | -118 bps | |
| Net Worth / Assets | 8.52% | 8.40% | 8.28% | 9.15% | 9.65% | 8.73% | 7.97% | 7.97% | -118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 109.81% | 111.90% | 111.37% | 111.72% | 110.03% | 108.73% | 105.46% | 100.49% | -1,123 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |