Glastonbury, CT · Charter 20849
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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.
Glastonbury, CT · Charter 20849
Q4 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.31% | 0.31% | 0.06% | -1.36% | -1.26% | -1.08% | -0.83% | -89 bps | |
| Return on Equity | 4.63% | 4.13% | 3.95% | 0.77% | -18.26% | -17.86% | -15.30% | -13.25% | -1,403 bps | |
| Net Interest Margin | 2.40% | 3.41% | 3.69% | 3.81% | 2.76% | 3.11% | 3.24% | 0.80% | -302 bps | |
| Efficiency Ratio | 119.05% | 91.58% | 92.36% | 95.77% | 142.95% | 138.16% | 131.62% | 197.75% | +10,198 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.56% | 4.75% | -11.14% | -18.81% | -10.49% | -8.38% | -9.24% | -4.80% | +1,402 bps | |
| Loan Growth (YoY) | 22.60% | 22.71% | -2.75% | -13.80% | -17.47% | -21.69% | -14.73% | -4.39% | +941 bps | |
| Share Growth (YoY) | 2.95% | 4.39% | -12.07% | -19.70% | -10.48% | -7.80% | -8.41% | -3.48% | +1,622 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.03% | 2.35% | 3.70% | 0.10% | 3.67% | 2.22% | 0.68% | 2.19% | +210 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.91% | 1.41% | 1.04% | 1.18% | 1.64% | 1.84% | 1.90% | 1.97% | +78 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.27% | 7.52% | 7.74% | 7.61% | 7.45% | 7.07% | 7.03% | 6.25% | -136 bps | |
| Net Worth / Assets | 7.27% | 7.52% | 7.74% | 7.61% | 7.45% | 7.07% | 7.03% | 6.25% | -136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.44% | 49.33% | 46.72% | 43.77% | 40.96% | 41.90% | 43.50% | 43.36% | -41 bps | |
| Liquid Assets / Assets | 56.02% | 50.95% | 53.38% | 42.00% | 58.49% | 47.08% | 36.97% | 56.88% | +1,488 bps | |