Warwick, RI · Charter 66868
Q1 2004
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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.50% | 0.48% | 0.41% | 0.42% | 0.47% | 0.42% | 0.48% | +7 bps | |
| Return on Equity | 4.49% | 4.50% | 4.29% | 3.73% | 3.93% | 4.33% | 3.79% | 4.51% | +78 bps | |
| Net Interest Margin | 4.21% | 3.89% | 4.04% | 4.08% | 4.00% | 4.13% | 4.16% | 3.99% | -9 bps | |
| Efficiency Ratio | 87.92% | 85.84% | 86.94% | 91.45% | 90.89% | 90.05% | 91.30% | 89.31% | -214 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.08% | 37.04% | 27.44% | 30.91% | 22.74% | 5.13% | 5.34% | 6.92% | -2,399 bps | |
| Loan Growth (YoY) | -5.62% | 11.63% | 9.92% | 11.73% | 6.97% | -3.56% | 3.63% | 9.62% | -211 bps | |
| Share Growth (YoY) | 19.73% | 36.69% | 26.39% | 30.59% | 21.76% | 5.57% | 5.69% | 7.35% | -2,324 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 0.88% | 1.51% | 1.14% | 0.72% | 0.68% | 0.65% | 1.09% | -5 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 | 0.57% | 1.00% | 1.03% | 0.85% | 0.53% | 0.54% | 0.41% | 0.48% | -37 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.86% | 11.11% | 11.15% | 10.95% | 10.66% | 10.96% | 11.00% | 10.66% | -28 bps | |
| Net Worth / Assets | 9.86% | 11.11% | 11.15% | 10.95% | 10.66% | 10.96% | 11.00% | 10.66% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.05% | 72.16% | 66.16% | 60.21% | 59.79% | 65.92% | 64.88% | 61.49% | +127 bps | |
| Liquid Assets / Assets | 13.92% | 12.35% | 14.43% | 18.14% | 15.02% | 10.11% | 14.14% | 17.65% | -49 bps | |