New London, CT · Charter 1300
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.38% | 0.46% | 0.45% | -0.08% | 0.12% | 0.24% | -0.08% | -53 bps | |
| Return on Equity | 2.49% | 2.33% | 2.73% | 2.66% | -0.46% | 0.75% | 1.46% | -0.45% | -312 bps | |
| Net Interest Margin | 0.86% | 0.88% | 1.18% | 1.18% | 1.20% | 1.19% | 0.83% | 0.57% | -61 bps | |
| Efficiency Ratio | 66.98% | 62.80% | 63.82% | 64.21% | 111.49% | 84.71% | 74.35% | 112.88% | +4,867 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.52% | 1.84% | -0.14% | -0.09% | -0.39% | -0.65% | 1.70% | 2.34% | +244 bps | |
| Loan Growth (YoY) | -18.94% | -2.39% | 0.77% | -7.26% | -15.62% | 18.95% | 22.26% | 21.87% | +2,913 bps | |
| Share Growth (YoY) | 1.88% | -0.96% | -0.80% | -0.70% | -1.05% | 1.47% | 1.95% | 1.11% | +181 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.39% | 16.38% | 16.80% | 16.78% | 16.48% | 16.61% | 16.59% | 17.34% | +57 bps | |
| Net Worth / Assets | 16.39% | 16.38% | 16.80% | 16.78% | 16.48% | 16.61% | 16.59% | 17.34% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 1.80% | 1.90% | 1.84% | 1.87% | 1.53% | 2.23% | 2.20% | 2.25% | +38 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |