New Haven, CT · Cert 18261
FDIC
Q1 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.66% | 0.68% | 0.86% | 0.83% | 0.72% | 0.77% | 0.78% | -8 bps | |
| Return on Equity | 3.64% | 4.40% | 4.46% | 5.51% | 5.33% | 4.59% | 5.15% | 5.37% | -14 bps | |
| Net Interest Margin | 2.35% | 2.43% | 2.52% | 2.65% | 2.70% | 2.77% | 2.73% | 2.70% | +5 bps | |
| Efficiency Ratio | 62.77% | 56.46% | 58.88% | 52.43% | 53.00% | 60.63% | 52.29% | 57.69% | +525 bps | |
| Non-Interest Burden | 1.36% | 1.20% | 1.35% | 1.16% | 1.19% | 1.54% | 1.23% | 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 | 0.34% | 0.43% | 0.23% | 0.26% | 0.38% | 0.34% | 0.16% | 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 |