Providence V.a.hospital

Providence, RI · Charter 67279

Q2 1997

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 1997, the quarter ended June 30, 1997, 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 67279

Q2 1997

$2.3MAssets

$1.3MLoans

$1.8MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.44%-76 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	2.99%	3.42%	3.20%	3.29%	2.32%	2.32%	2.44%	-76 bps
Return on Equity	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	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	-16.53%	-13.17%	-12.91%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-9.55%	-10.20%	-1.84%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-21.43%	-15.08%	-16.15%	n/a
Asset Quality
Delinquent Loans / Loans	1.88%	0.93%	1.03%	1.11%	1.39%	1.37%	3.48%	+245 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	11.36%	5.96%	5.84%	4.98%	7.96%	8.46%	4.14%	-171 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	55.07%	62.18%	62.60%	66.57%	63.40%	65.75%	73.29%	+1,068 bps
Liquid Assets / Assets	39.14%	23.64%	39.05%	39.62%	38.86%	42.22%	35.90%	-315 bps