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Milford

Milford, CT · Charter 11058

Q1 2013

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: Q1 2013, the quarter ended March 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Milford

Milford, CT · Charter 11058

Q1 2013

$11.5MAssets
$1.6MLoans
$10.7MShares
$824KNet Worth

Executive Summary

  • Earnings: ROA of -6.89%, down 692 bps year over year; NIM at 2.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 7.17%, down 116 bps from a year ago.
  • Funding: loans stand at 14.92% of shares as of Q1 2013.

Return on Assets (YTD, annualized)

-6.89%-692 bps YoY

Net Interest Margin (YTD, annualized)

2.50%-26 bps YoY

Efficiency Ratio (YTD, annualized)

342%+24,246 bps YoY

Net Worth / Assets

7.17%-116 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.17%-0.07%0.07%0.03%-0.17%-0.23%-0.11%-6.89%-692 bps
Return on Equity2.04%-0.80%0.80%0.33%-2.05%-2.69%-1.32%-96.11%-9,644 bps
Net Interest Margin2.81%2.97%2.99%2.76%2.65%2.66%2.62%2.50%-26 bps
Efficiency Ratio94.28%104.12%99.81%99.74%100.60%104.82%103.48%342%+24,246 bps
Growth
Asset Growth (YoY)9.96%-4.79%-7.72%-3.61%1.16%3.01%3.39%-7.58%-397 bps
Loan Growth (YoY)-2.32%8.62%6.75%51.45%27.46%15.92%16.53%-11.71%-6,316 bps
Share Growth (YoY)11.36%-5.44%-9.31%-4.73%0.62%3.14%3.78%-4.56%+17 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.81%0.58%0.54%0.44%1.07%1.08%0.84%0.00%-44 bps
Capital
Risk-Based Capital8.35%8.62%8.72%8.33%8.15%8.40%8.33%7.17%-116 bps
Net Worth / Assets8.35%8.62%8.72%8.33%8.15%8.40%8.33%7.17%-116 bps
Liquidity & Funding
Loans / Shares12.22%13.92%13.24%16.13%15.48%15.65%14.87%14.92%-121 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps