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Providence V.a.hospital

Providence, RI · Charter 67279

Q2 1997

$2.3MAssets
$1.3MLoans
$1.8MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 2.44%, down 76 bps year over year.
  • Asset quality: problem loans at 3.48% of loans (+245 bps YoY).
  • Funding: loans stand at 73.29% of shares as of Q2 1997.

Return on Assets (quarter, annualized)

2.44%-76 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets2.99%3.42%3.20%3.29%2.32%2.32%2.44%-76 bps
Return on Equityn/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-16.53%-13.17%-12.91%n/a
Loan Growth (YoY)n/an/an/an/a-9.55%-10.20%-1.84%n/a
Share Growth (YoY)n/an/an/an/a-21.43%-15.08%-16.15%n/a
Asset Quality
Delinquent Loans / Loans1.88%0.93%1.03%1.11%1.39%1.37%3.48%+245 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/a
Allowance / Loans11.36%5.96%5.84%4.98%7.96%8.46%4.14%-171 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares55.07%62.18%62.60%66.57%63.40%65.75%73.29%+1,068 bps
Liquid Assets / Assets39.14%23.64%39.05%39.62%38.86%42.22%35.90%-315 bps