New Britain, CT · Cert 18246
FDIC
Q4 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.81% | 1.74% | 1.54% | 1.59% | 1.13% | 1.44% | 1.40% | 0.80% | -79 bps | |
| Return on Equity | n/a | 8.62% | 8.14% | 8.23% | 7.34% | 11.28% | 10.69% | 5.88% | -235 bps | |
| Net Interest Margin | 3.40% | 3.23% | 3.22% | 3.13% | 3.00% | 2.94% | 2.99% | 2.62% | -51 bps | |
| Efficiency Ratio | 37.22% | 48.02% | 44.00% | 44.61% | 58.48% | 42.72% | 41.66% | 57.04% | +1,243 bps | |
| Non-Interest Burden | 0.96% | 1.26% | 1.13% | 1.10% | 1.66% | 1.07% | 1.06% | 1.39% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.25% | -0.92% | 1.49% | 0.76% | 49.24% | 51.97% | 49.94% | 47.36% | +4,660 bps | |
| Loan Growth (YoY) | 10.16% | 11.70% | 10.35% | 6.49% | 39.83% | 38.83% | 31.07% | 22.38% | +1,589 bps | |
| Deposit Growth (YoY) | -5.32% | -2.79% | -3.39% | -6.39% | 71.03% | 64.85% | 71.20% | 69.56% | +7,595 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 | 0.02% | 0.02% | 0.02% | 0.00% | 0.01% | 0.50% | 0.01% | 0.23% | +23 bps | |
| Allowance / Loans | 0.94% | 0.90% | 0.87% | 0.89% | 1.19% | 1.03% | 1.05% | 1.09% | +20 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 | 34.83% | 30.54% | 30.30% | 31.32% | 15.42% | 16.02% | 16.60% | 17.70% | -1,362 bps | |
| Equity / Assets | 21.55% | 18.90% | 19.02% | 19.51% | 12.69% | 12.91% | 13.29% | 13.85% | -566 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.28% | 98.91% | 107.92% | 104.92% | 80.35% | 83.29% | 82.62% | 75.73% | -2,919 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.01% | 0.06% | 0.00% | 0.00% | 0.00% | 0.00% | -6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |