Newington, CT · Charter 1155
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Newington, CT · Charter 1155
Q1 2014
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.06% | -1.00% | -1.22% | -0.12% | -0.37% | -0.64% | -1.90% | -1.13% | -101 bps | |
| Return on Equity | -10.24% | -9.30% | -11.65% | -1.31% | -3.87% | -6.54% | -22.89% | -14.45% | -1,314 bps | |
| Net Interest Margin | 3.63% | 3.81% | 3.88% | 3.25% | 3.33% | 3.48% | 3.42% | 2.89% | -36 bps | |
| Efficiency Ratio | 111.90% | 112.01% | 111.04% | 108.60% | 106.82% | 108.50% | 131.98% | 131.03% | +2,243 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.21% | -0.91% | -0.92% | 3.03% | 1.15% | 0.18% | 2.60% | -5.41% | -844 bps | |
| Loan Growth (YoY) | -7.64% | -7.20% | -9.41% | -12.69% | -20.91% | -26.01% | -25.88% | -31.04% | -1,835 bps | |
| Share Growth (YoY) | 2.68% | 0.49% | 0.35% | 4.32% | 2.23% | 1.24% | 5.04% | -3.62% | -794 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 1.89% | 1.93% | 1.42% | 1.24% | 2.31% | 1.92% | 2.16% | +75 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 | 1.42% | 1.46% | 1.45% | 1.33% | 1.30% | 1.48% | 1.58% | 1.58% | +24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.38% | 10.70% | 10.48% | 9.38% | 9.48% | 9.76% | 8.31% | 7.81% | -157 bps | |
| Net Worth / Assets | 10.38% | 10.70% | 10.48% | 9.38% | 9.48% | 9.76% | 8.31% | 7.81% | -157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.27% | 39.72% | 37.80% | 31.46% | 29.61% | 29.03% | 26.68% | 22.51% | -895 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |