PackageTrendsPeer
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American Savings Bank

New Britain, CT · Cert 18246

FDIC

Q4 2002

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2002, the quarter ended December 31, 2002, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

American Savings Bank

New Britain, CT · Cert 18246

FDIC

Q4 2002

$2.8BAssets
$1.5BLoans
$2.0BDeposits
$386.7MEquity
Loan mix
95%RE $1.3B5%C&I $0.1B0%Consumer $0.0BQ4 2001Q4 2002
Deposit mix
98%Interest-bearing $1.9B2%Noninterest $0.0BQ4 2001Q4 2002

NIM

6.93%Q1 ’016.57%Q4 ’015.42%Q4 ’02-6%-10%

Non-interest income vs. expense

1.44%Q1 ’011.61%Q4 ’011.76%Q4 ’02+14%+16%

Executive Summary

  • Earnings: ROA of 1.23%, down 44 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.20%.
  • Funding: loans stand at 75.73% of deposits as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

1.23%-44 bps YoY

Net Interest Margin (YTD, annualized)

2.87%-33 bps YoY

Efficiency Ratio (YTD, annualized)

49.51%+609 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets1.67%1.13%1.34%1.38%1.23%-44 bps
Return on Equityn/a7.34%9.26%9.74%8.75%n/a
Net Interest Margin3.21%3.00%2.80%2.92%2.87%-33 bps
Efficiency Ratio43.42%58.48%50.14%47.24%49.51%+609 bps
Non-Interest Burden1.10%1.66%1.27%1.23%1.28%+18 bps
Growth
Asset Growth (YoY)0.76%49.24%51.97%49.94%47.36%+4,660 bps
Loan Growth (YoY)6.49%39.83%38.83%31.07%22.38%+1,589 bps
Deposit Growth (YoY)-6.39%71.03%64.85%71.20%69.56%+7,595 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.01%0.26%0.18%0.20%+19 bps
Allowance / Loans0.89%1.19%1.03%1.05%1.09%+20 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital31.32%15.42%16.02%16.60%17.70%-1,362 bps
Equity / Assets19.51%12.69%12.91%13.29%13.85%-566 bps
Liquidity & Funding
Loans / Deposits104.92%80.35%83.29%82.62%75.73%-2,919 bps
Liquid Assets / Assets0.06%0.00%0.00%0.00%0.00%-6 bps
CRE / Total Capitaln/an/an/an/an/an/an/a