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Westport Bank&Trust Co.

Westport, CT · Cert 12075

FDIC

Q3 1996

$312.5MAssets
$182.4MLoans
$261.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.49%, down 104 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 69.81% of deposits as of Q3 1996.

Return on Assets (YTD, annualized)

1.49%-104 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996YoY ΔTrend
Earnings
Return on Assets1.65%2.39%2.32%2.53%2.38%1.31%1.38%1.49%-104 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/a6.20%5.36%7.29%10.30%9.48%10.09%5.45%-184 bps
Loan Growth (YoY)n/a13.22%4.21%1.85%-4.42%-2.24%2.06%4.35%+249 bps
Deposit Growth (YoY)n/a-4.75%-5.68%6.65%8.32%7.82%8.48%0.95%-570 bps
Asset Quality
Nonperforming 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 / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits72.29%76.65%73.72%67.54%63.78%69.50%69.36%69.81%+227 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a