Manchester, CT · Cert 17942
FDIC
Q1 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 1.04% | 1.10% | 1.32% | 1.32% | 1.42% | 1.32% | -5.19% | -652 bps | |
| Return on Equity | 11.93% | 12.00% | 12.56% | 14.39% | 14.53% | 15.56% | 14.75% | -67.48% | -8,187 bps | |
| Net Interest Margin | 3.20% | 3.20% | 3.21% | 3.32% | 3.25% | 3.21% | 3.22% | 3.07% | -25 bps | |
| Efficiency Ratio | 54.83% | 53.54% | 52.50% | 49.64% | 49.42% | 49.79% | 50.83% | 265% | +21,579 bps | |
| Non-Interest Burden | 1.67% | 1.60% | 1.53% | 1.37% | 1.32% | 1.30% | 1.34% | 9.44% | +807 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 71.53% | 4.22% | 4.77% | 4.86% | 6.51% | 2.55% | -0.03% | -1.34% | -620 bps | |
| Loan Growth (YoY) | 42.24% | 11.07% | 8.35% | 9.19% | 9.84% | 10.46% | 8.41% | 4.47% | -473 bps | |
| Deposit Growth (YoY) | 65.44% | 0.79% | 0.72% | -1.03% | 0.62% | -0.38% | 0.07% | 0.92% | +195 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.09% | 0.04% | 0.06% | 0.06% | 0.05% | 0.05% | -0.07% | -13 bps | |
| Allowance / Loans | 1.01% | 1.00% | 1.04% | 1.01% | 0.98% | 0.97% | 0.98% | 1.02% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.64% | 11.99% | 12.78% | 12.89% | 12.22% | 12.80% | 12.04% | 9.80% | -309 bps | |
| Equity / Assets | 8.85% | 9.05% | 9.10% | 9.30% | 8.88% | 9.19% | 8.26% | 7.12% | -217 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.77% | 94.33% | 95.03% | 99.45% | 100.18% | 104.60% | 102.95% | 102.95% | +350 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |