East Providence, RI · Charter 67283
Q3 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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.66% | 0.64% | 0.69% | 0.68% | 0.48% | 0.50% | 0.49% | -20 bps | |
| Return on Equity | 4.54% | 5.54% | 5.60% | 5.76% | 5.55% | 4.03% | 4.39% | 3.95% | -181 bps | |
| Net Interest Margin | 4.11% | 3.90% | 3.72% | 3.99% | 4.13% | 4.28% | 4.03% | 4.43% | +44 bps | |
| Efficiency Ratio | 88.45% | 86.58% | 84.79% | 84.62% | 85.44% | 89.50% | 88.69% | 89.70% | +507 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.05% | 12.10% | 8.62% | 13.54% | 10.04% | 6.50% | 5.84% | 0.56% | -1,298 bps | |
| Loan Growth (YoY) | 24.23% | 18.38% | 19.62% | 18.49% | 31.20% | 31.23% | 18.39% | 15.81% | -268 bps | |
| Share Growth (YoY) | 2.60% | 12.82% | 9.26% | 14.58% | 10.86% | 6.87% | 6.07% | 0.05% | -1,453 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.03% | 0.35% | 0.34% | 0.16% | 0.08% | 0.22% | 0.24% | -9 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 | 0.39% | 0.18% | 0.22% | 0.24% | 0.20% | 0.21% | 0.17% | 0.18% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.65% | 11.93% | 11.37% | 11.93% | 12.17% | 11.81% | 11.30% | 12.38% | +46 bps | |
| Net Worth / Assets | 12.65% | 11.93% | 11.37% | 11.93% | 12.17% | 11.81% | 11.30% | 12.38% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.33% | 71.60% | 75.23% | 83.33% | 91.51% | 87.91% | 83.96% | 96.45% | +1,312 bps | |
| Liquid Assets / Assets | 27.82% | 32.63% | 23.42% | 19.26% | 12.07% | 15.07% | 21.72% | 11.26% | -800 bps | |