Southington, CT · Cert 18226
FDIC
Q2 2002
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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.51% | 1.51% | 1.43% | 1.45% | 1.44% | 1.45% | 1.49% | 1.35% | -9 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 17.63% | 15.68% | n/a | |
| Net Interest Margin | n/a | n/a | 3.30% | 3.43% | 3.44% | 3.41% | 3.57% | 3.54% | +11 bps | |
| Efficiency Ratio | n/a | n/a | 48.67% | 49.03% | 50.14% | 49.63% | 46.56% | 45.40% | -363 bps | |
| Non-Interest Burden | n/a | n/a | 1.26% | 1.34% | 1.42% | 1.40% | 1.34% | 1.31% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.44% | 11.39% | 8.27% | 1.32% | 3.65% | 5.16% | 8.33% | 10.02% | +869 bps | |
| Loan Growth (YoY) | 2.32% | 2.63% | 0.20% | -1.18% | 3.92% | 7.24% | 7.15% | 12.67% | +1,385 bps | |
| Deposit Growth (YoY) | 7.79% | 9.35% | 10.05% | 1.06% | 4.88% | 8.60% | 9.31% | 10.07% | +902 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 | n/a | n/a | 0.07% | 0.05% | 0.05% | 0.03% | 0.01% | 0.44% | +39 bps | |
| Allowance / Loans | n/a | n/a | 1.93% | 1.93% | 1.68% | 1.65% | 1.66% | 1.49% | -44 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 | n/a | n/a | 15.08% | 16.32% | 15.30% | 14.47% | 14.41% | 14.67% | -166 bps | |
| Equity / Assets | n/a | n/a | 8.26% | 8.84% | 9.47% | 8.36% | 8.52% | 9.03% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.50% | 82.78% | 81.44% | 79.50% | 83.72% | 81.75% | 79.84% | 81.38% | +187 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 |