West Haven, CT · Charter 13153
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
West Haven, CT · Charter 13153
Q1 2011
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.31% | 0.52% | 1.26% | 0.24% | 0.28% | 0.69% | 0.46% | 0.70% | +46 bps | |
| Return on Equity | -4.01% | 8.61% | 19.77% | 3.95% | 4.48% | 10.76% | 6.73% | 10.67% | +672 bps | |
| Net Interest Margin | 3.87% | 3.68% | 3.61% | 3.71% | 3.81% | 3.86% | 4.05% | 3.84% | +13 bps | |
| Efficiency Ratio | 74.51% | 76.56% | 36.93% | 64.89% | 64.49% | 75.92% | 76.52% | 84.64% | +1,975 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.25% | 12.59% | 5.19% | 4.81% | 3.93% | -1.62% | -7.57% | -4.72% | -953 bps | |
| Loan Growth (YoY) | 2.77% | -2.34% | -0.72% | -5.59% | -6.27% | -7.51% | -13.93% | -18.72% | -1,313 bps | |
| Share Growth (YoY) | 15.85% | 15.02% | 6.17% | 6.18% | 5.42% | -1.88% | -8.27% | -5.07% | -1,125 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.03% | 2.87% | 3.83% | 6.35% | 7.46% | 9.89% | 11.15% | 9.42% | +307 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 | 0.59% | 2.33% | 3.68% | 3.54% | 2.42% | 2.33% | 1.61% | 2.95% | -59 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.79% | 6.03% | 6.38% | 6.03% | 6.30% | 6.46% | 6.86% | 6.57% | +54 bps | |
| Net Worth / Assets | 7.79% | 6.03% | 6.38% | 6.03% | 6.30% | 6.46% | 6.86% | 6.57% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.74% | 43.03% | 41.49% | 42.53% | 42.44% | 40.56% | 38.93% | 36.42% | -611 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |