Vernon, CT · Cert 18205
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 | 1.04% | 1.03% | 1.06% | 1.11% | 1.04% | 0.93% | 0.86% | -4.05% | -516 bps | |
| Return on Equity | 14.08% | 13.90% | 14.19% | 14.25% | 12.92% | 11.41% | 10.37% | -49.50% | -6,375 bps | |
| Net Interest Margin | 3.38% | 3.28% | 3.30% | 3.32% | 3.21% | 3.15% | 3.14% | 2.79% | -52 bps | |
| Efficiency Ratio | 61.93% | 61.40% | 60.29% | 60.62% | 61.48% | 62.75% | 64.43% | 284% | +22,381 bps | |
| Non-Interest Burden | 1.92% | 1.80% | 1.76% | 1.69% | 1.64% | 1.67% | 1.75% | 8.78% | +709 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.56% | 10.60% | 7.80% | 6.03% | 5.72% | 2.31% | 5.40% | 1.39% | -464 bps | |
| Loan Growth (YoY) | 5.33% | 9.64% | 12.65% | 9.57% | 9.45% | 4.94% | -4.29% | -4.39% | -1,396 bps | |
| Deposit Growth (YoY) | 6.79% | 10.74% | 9.15% | 2.04% | 1.66% | -2.22% | 2.40% | 2.68% | +64 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 | 0.01% | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | -0.01% | -0.08% | -11 bps | |
| Allowance / Loans | 1.51% | 1.46% | 1.40% | 1.42% | 1.44% | 1.43% | 1.50% | 1.59% | +17 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 | 11.48% | 11.29% | 11.65% | 12.04% | 12.51% | 12.78% | 13.76% | 12.44% | +40 bps | |
| Equity / Assets | 7.42% | 7.41% | 7.63% | 8.00% | 8.52% | 8.53% | 8.56% | 7.80% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.50% | 81.64% | 87.58% | 86.53% | 84.52% | 87.62% | 81.87% | 80.57% | -596 bps | |
| Liquid Assets / Assets | 2.23% | 1.52% | 1.30% | 0.00% | 0.01% | 0.01% | 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 |