Stamford, CT · Cert 19183
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 2002, 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.
Stamford, CT · Cert 19183
FDIC
Q1 2002
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 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.24% | 2.29% | 1.78% | -1.54% | -0.59% | -1.75% | -0.97% | 1.31% | +285 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 18.22% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 5.16% | 4.81% | 4.42% | 4.54% | 4.60% | -56 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 78.14% | 80.80% | 78.51% | 72.80% | 62.69% | -1,545 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 3.41% | 3.37% | 2.93% | 2.53% | 1.18% | -224 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 281% | 302% | 298% | -4.38% | 8.11% | 8.73% | -0.01% | -3.89% | +49 bps | |
| Loan Growth (YoY) | 261% | 291% | 263% | 25.84% | 32.55% | 26.94% | 22.29% | 10.46% | -1,538 bps | |
| Deposit Growth (YoY) | 267% | 287% | 289% | -6.68% | 7.22% | 11.08% | -4.91% | 6.40% | +1,307 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 | n/a | n/a | n/a | 0.87% | 1.08% | 2.34% | 2.31% | 0.45% | -41 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | n/a | n/a | n/a | 11.12% | 10.05% | 8.33% | 9.15% | 10.08% | -104 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.21% | 85.16% | 75.01% | 94.10% | 101.63% | 97.32% | 96.47% | 97.70% | +359 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |