New Haven, CT · Cert 18261
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
New Haven, CT · Cert 18261
FDIC
Q1 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.61% | 0.63% | 0.86% | 0.85% | 0.80% | 0.79% | 0.78% | -8 bps | |
| Return on Equity | 3.91% | 4.07% | 4.17% | 5.51% | 5.41% | 5.13% | 5.17% | 5.37% | -14 bps | |
| Net Interest Margin | 2.30% | 2.34% | 2.39% | 2.65% | 2.65% | 2.65% | 2.63% | 2.70% | +5 bps | |
| Efficiency Ratio | 60.94% | 59.39% | 59.26% | 52.43% | 52.72% | 55.41% | 54.62% | 57.69% | +525 bps | |
| Non-Interest Burden | 1.27% | 1.25% | 1.28% | 1.16% | 1.16% | 1.27% | 1.24% | 1.43% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.89% | 3.39% | 1.67% | 0.07% | 1.57% | 3.35% | 7.07% | 6.35% | +628 bps | |
| Loan Growth (YoY) | -0.95% | -2.78% | -3.85% | -3.06% | 0.73% | 5.71% | 7.49% | 8.12% | +1,118 bps | |
| Deposit Growth (YoY) | 12.48% | 13.25% | 13.26% | 7.46% | 4.64% | 2.37% | 4.71% | 4.96% | -250 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 | 0.31% | 0.35% | 0.32% | 0.26% | 0.32% | 0.32% | 0.28% | 0.13% | -12 bps | |
| Allowance / Loans | 1.05% | 1.07% | 1.10% | 1.13% | 1.11% | 1.07% | 1.08% | 1.06% | -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 | 16.94% | 17.55% | 17.89% | 18.04% | 18.54% | 18.45% | 17.09% | 17.14% | -90 bps | |
| Equity / Assets | 14.74% | 15.13% | 15.57% | 15.61% | 15.68% | 15.65% | 14.44% | 14.58% | -103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.39% | 93.76% | 92.24% | 92.20% | 93.76% | 96.83% | 94.69% | 94.98% | +278 bps | |
| Liquid Assets / Assets | 3.42% | 3.54% | 3.23% | 3.62% | 3.99% | 3.90% | 3.55% | 3.03% | -59 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |