Bridgeport, CT · Charter 21990
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Bridgeport, CT · Charter 21990
Q4 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.85% | -1.43% | -1.18% | -1.01% | 1.73% | -0.40% | -1.07% | -1.30% | -30 bps | |
| Return on Equity | -22.20% | -12.37% | -11.24% | -8.77% | 14.86% | -3.66% | -9.93% | -9.58% | -81 bps | |
| Net Interest Margin | 4.88% | 4.25% | 4.03% | 4.59% | 5.07% | 4.90% | 5.00% | 6.07% | +148 bps | |
| Efficiency Ratio | 155.37% | 159.02% | 148.52% | 141.88% | 128.75% | 139.52% | 141.86% | 160.10% | +1,822 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.37% | 7.30% | 8.79% | 16.18% | 11.57% | 1.23% | -9.04% | -22.86% | -3,904 bps | |
| Loan Growth (YoY) | -27.54% | -20.83% | -1.47% | 13.22% | 24.24% | 10.62% | -16.38% | -21.62% | -3,484 bps | |
| Share Growth (YoY) | 2.99% | 7.89% | 11.73% | 20.67% | 13.66% | 2.42% | -8.97% | -25.04% | -4,572 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.36% | 0.36% | 0.35% | 0.00% | 1.22% | 3.13% | +277 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 | 4.04% | 2.78% | 2.77% | 2.75% | 1.67% | 1.61% | 2.06% | 0.00% | -275 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.85% | 11.54% | 10.54% | 11.51% | 11.61% | 10.93% | 10.75% | 13.61% | +211 bps | |
| Net Worth / Assets | 12.85% | 11.54% | 10.54% | 11.51% | 11.61% | 10.93% | 10.75% | 13.61% | +211 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.06% | 55.67% | 59.18% | 65.65% | 64.56% | 60.13% | 54.37% | 68.64% | +300 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |