Pawtucket, RI · Charter 67046
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.64% | 3.34% | 2.95% | 2.50% | 2.71% | 2.79% | 0.58% | 0.62% | -188 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 4.16% | 3.96% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 86.35% | 83.55% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.36% | 7.91% | 8.72% | 6.15% | 12.06% | 18.23% | 13.81% | 13.12% | +698 bps | |
| Loan Growth (YoY) | -6.51% | -5.23% | -3.25% | 1.04% | 4.16% | 0.30% | 5.03% | 13.40% | +1,236 bps | |
| Share Growth (YoY) | 0.59% | 7.49% | 9.71% | 7.65% | 16.22% | 24.66% | 18.72% | 16.26% | +862 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.83% | 1.41% | 0.91% | 0.86% | 0.89% | 0.90% | 0.30% | 0.45% | -41 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 | 1.82% | 1.67% | 1.40% | 1.97% | 1.90% | 1.98% | 1.89% | 1.64% | -33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.25% | 75.37% | 81.19% | 67.77% | 75.51% | 60.65% | 71.83% | 66.10% | -167 bps | |
| Liquid Assets / Assets | 36.30% | 38.14% | 30.53% | 39.93% | 24.42% | 28.73% | 17.61% | 25.04% | -1,488 bps | |