Warren, RI · Charter 66817
Q4 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | -0.40% | -0.41% | -1.51% | -0.33% | -1.14% | -1.31% | -1.89% | -38 bps | |
| Return on Equity | 5.75% | -5.12% | -5.33% | -23.84% | -5.30% | -19.34% | -23.61% | -39.33% | -1,548 bps | |
| Net Interest Margin | 3.41% | 3.21% | 3.13% | 3.06% | 2.93% | 2.95% | 2.95% | 2.99% | -7 bps | |
| Efficiency Ratio | 88.95% | 92.13% | 94.62% | 93.24% | 91.77% | 101.84% | 102.76% | 103.79% | +1,055 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.46% | 16.15% | 8.46% | 5.17% | 7.85% | 0.63% | -2.50% | -5.63% | -1,080 bps | |
| Loan Growth (YoY) | 12.73% | 7.76% | 5.45% | 1.08% | -4.50% | -5.56% | -5.92% | -7.62% | -870 bps | |
| Share Growth (YoY) | 10.44% | 18.45% | 9.71% | 7.20% | 11.31% | 2.69% | -1.47% | -4.08% | -1,129 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.95% | 5.17% | 2.63% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.67% | 1.10% | 0.68% | 2.30% | 2.09% | 2.46% | 2.89% | 3.64% | +133 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.51% | 7.82% | 7.60% | 6.32% | 6.19% | 5.87% | 5.56% | 4.81% | -151 bps | |
| Net Worth / Assets | 8.51% | 7.82% | 7.60% | 6.32% | 6.19% | 5.87% | 5.56% | 4.81% | -151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.47% | 88.14% | 85.10% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |