PackageTrendsPeer
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Mechanics Savings Bank

Hartford, CT · Cert 17941

FDIC

Q1 2000

$1.1BAssets
$736.7MLoans
$646.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.16%, down 42 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 113.95% of deposits as of Q1 2000.

Return on Assets (YTD, annualized)

1.16%-42 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.

MetricQ2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000YoY ΔTrend
Earnings
Return on Assets1.00%1.04%0.91%1.58%1.43%1.38%1.33%1.16%-42 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)15.61%15.35%14.12%14.13%16.10%14.42%9.93%2.27%-1,185 bps
Loan Growth (YoY)10.76%10.25%13.75%16.83%18.49%18.85%13.78%7.97%-886 bps
Deposit Growth (YoY)3.89%6.17%5.87%0.63%0.42%-3.58%-9.02%-6.88%-750 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 / Deposits85.60%86.97%91.94%98.29%101.00%107.20%114.98%113.95%+1,567 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