Fairfield, CT · Charter 13537
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Fairfield, CT · Charter 13537
Q1 2015
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.48% | -0.54% | -0.46% | -1.23% | -0.72% | -0.63% | -1.01% | -0.96% | +27 bps | |
| Return on Equity | -5.97% | -6.56% | -5.66% | -15.69% | -9.35% | -8.13% | -13.88% | -13.54% | +215 bps | |
| Net Interest Margin | 2.01% | 2.12% | 2.16% | 2.24% | 2.24% | 2.29% | 2.32% | 2.17% | -7 bps | |
| Efficiency Ratio | 125.52% | 125.12% | 122.11% | 120.34% | 114.79% | 112.01% | 110.59% | 112.60% | -774 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.06% | 6.82% | 1.27% | -1.63% | -3.91% | -0.87% | -0.98% | -2.02% | -39 bps | |
| Loan Growth (YoY) | -7.17% | -6.75% | -3.14% | -5.07% | 2.35% | 3.17% | 2.17% | -1.34% | +373 bps | |
| Share Growth (YoY) | 12.10% | 8.46% | 1.86% | -0.80% | -3.53% | -0.27% | 0.08% | -1.15% | -35 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.76% | 2.82% | 3.03% | 2.32% | 3.06% | 4.22% | 3.27% | 1.92% | -41 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 | 0.47% | 0.50% | 0.32% | 0.51% | 0.46% | 0.61% | 2.04% | 1.39% | +88 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.97% | 8.19% | 8.19% | 7.85% | 7.72% | 7.74% | 7.26% | 7.08% | -78 bps | |
| Net Worth / Assets | 7.97% | 8.19% | 8.19% | 7.85% | 7.72% | 7.74% | 7.26% | 7.08% | -78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.64% | 35.44% | 35.63% | 34.94% | 35.69% | 36.67% | 36.38% | 34.87% | -7 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |