Warren, RI · Charter 66817
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Warren, RI · Charter 66817
Q4 2012
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.51% | -0.33% | -1.14% | -1.31% | -1.89% | -38 bps | |
| Return on Equity | -23.84% | -5.30% | -19.34% | -23.61% | -39.33% | -1,548 bps | |
| Net Interest Margin | 3.06% | 2.93% | 2.95% | 2.95% | 2.99% | -7 bps | |
| Efficiency Ratio | 93.24% | 91.77% | 101.84% | 102.76% | 103.79% | +1,055 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.17% | 7.85% | 0.63% | -2.50% | -5.63% | -1,080 bps | |
| Loan Growth (YoY) | 1.08% | -4.50% | -5.56% | -5.92% | -7.62% | -870 bps | |
| Share Growth (YoY) | 7.20% | 11.31% | 2.69% | -1.47% | -4.08% | -1,129 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.57% | 1.83% | 1.70% | 1.83% | 2.69% | -288 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.30% | 2.09% | 2.46% | 2.89% | 3.64% | +133 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.32% | 6.19% | 5.87% | 5.56% | 4.81% | -151 bps | |
| Net Worth / Assets | 6.32% | 6.19% | 5.87% | 5.56% | 4.81% | -151 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.64% | 80.20% | 81.06% | 81.25% | 78.64% | -301 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |