New Milford, CT · Cert 18259
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.31% | 1.40% | 1.16% | 1.13% | 1.11% | 1.02% | -0.03% | -119 bps | |
| Return on Equity | 15.47% | 15.76% | 17.62% | 15.24% | 15.58% | 15.63% | 14.38% | -0.41% | -1,565 bps | |
| Net Interest Margin | 3.65% | 3.58% | 3.39% | 3.19% | 3.11% | 2.97% | 2.91% | 2.94% | -25 bps | |
| Efficiency Ratio | 54.26% | 54.23% | 55.81% | 57.00% | 57.93% | 56.39% | 60.21% | 63.41% | +641 bps | |
| Non-Interest Burden | 1.76% | 1.73% | 1.68% | 1.63% | 1.55% | 1.48% | 1.60% | 1.66% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.76% | 10.57% | 11.19% | 17.36% | 17.24% | 11.12% | 6.35% | -17.13% | -3,450 bps | |
| Loan Growth (YoY) | 5.90% | 5.33% | 3.19% | 3.25% | 3.32% | 7.11% | 3.92% | 1.31% | -194 bps | |
| Deposit Growth (YoY) | 4.69% | 7.62% | 2.94% | 2.37% | 4.77% | 2.34% | 3.14% | -1.36% | -373 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 | 0.08% | 0.04% | 0.02% | -0.11% | 0.03% | 0.01% | 0.03% | 0.13% | +24 bps | |
| Allowance / Loans | 1.05% | 1.04% | 1.01% | 0.99% | 0.99% | 0.96% | 0.95% | 0.93% | -6 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 | 14.13% | 14.05% | 13.06% | 13.03% | 13.03% | 13.13% | 13.60% | 14.35% | +133 bps | |
| Equity / Assets | 8.63% | 8.05% | 7.89% | 7.36% | 7.17% | 7.06% | 7.16% | 9.31% | +195 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.89% | 79.62% | 82.01% | 83.34% | 80.75% | 83.33% | 82.63% | 85.60% | +226 bps | |
| Liquid Assets / Assets | 1.67% | 1.50% | 1.39% | 1.30% | 1.20% | 1.18% | 1.18% | 1.27% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |