PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Derby Savings Bank

Derby, CT · Cert 18192

FDIC

Q4 1996

$1.2BAssets
$857.4MLoans
$1.0BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.75%, up 13 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 84.16% of deposits as of Q4 1996.

Return on Assets (YTD, annualized)

0.75%+13 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.

MetricQ1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets0.51%0.54%0.58%0.63%0.69%0.74%0.75%0.75%+13 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)-2.76%-1.09%0.70%2.36%4.76%3.43%1.22%-3.21%-557 bps
Loan Growth (YoY)2.74%0.01%2.69%4.77%7.50%7.52%2.79%-1.95%-672 bps
Deposit Growth (YoY)0.68%1.00%2.80%2.79%4.19%0.08%-1.59%-5.08%-788 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 / Deposits79.98%78.93%80.76%81.46%82.51%84.79%84.36%84.16%+269 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