Stamford, CT · Charter 12653
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.41% | 2.38% | 2.32% | 1.28% | -0.80% | 0.30% | -1.29% | -1.17% | -246 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -9.38% | -8.56% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 6.24% | 5.95% | 6.41% | 6.18% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 106.39% | 79.48% | 91.37% | 89.16% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 59.16% | 57.63% | 51.22% | 60.53% | -17.96% | -18.84% | -23.52% | -23.21% | -8,374 bps | |
| Loan Growth (YoY) | 86.08% | 102.39% | 63.09% | 46.76% | -3.23% | -12.30% | -10.98% | -23.13% | -6,989 bps | |
| Share Growth (YoY) | 49.55% | 48.36% | 42.11% | 52.71% | -19.51% | -21.03% | -25.04% | -23.85% | -7,655 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.26% | 1.68% | 1.35% | 2.70% | 3.69% | 3.32% | 3.92% | 1.95% | -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 | 1.21% | 1.37% | 1.32% | 1.61% | 1.94% | 1.55% | 1.77% | 2.29% | +68 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 13.75% | 13.72% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 13.75% | 13.72% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.99% | 65.48% | 66.43% | 68.00% | 75.73% | 72.72% | 78.89% | 68.64% | +64 bps | |
| Liquid Assets / Assets | 32.03% | 29.89% | 31.73% | 28.74% | 26.89% | 17.37% | 29.79% | 39.49% | +1,075 bps | |