Watertown, CT · Charter 2271
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 | 1.33% | 0.44% | 0.42% | 0.25% | -9.29% | -4.91% | -3.29% | -3.04% | -329 bps | |
| Return on Equity | 7.49% | 2.80% | 2.66% | 1.53% | -65.01% | -32.71% | -21.20% | -16.56% | -1,808 bps | |
| Net Interest Margin | 5.13% | 3.88% | 3.82% | 3.92% | 4.30% | 4.25% | 4.27% | 4.94% | +101 bps | |
| Efficiency Ratio | 69.81% | 81.44% | 82.47% | 86.70% | 77.51% | 87.51% | 88.88% | 93.50% | +680 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.52% | 6.73% | 16.38% | 4.82% | 7.29% | -9.57% | -12.46% | -23.55% | -2,837 bps | |
| Loan Growth (YoY) | -22.49% | -24.27% | -23.36% | -22.41% | -24.91% | -26.81% | -33.62% | -32.16% | -975 bps | |
| Share Growth (YoY) | -13.91% | 5.64% | 17.91% | 4.89% | 11.89% | -8.77% | -12.16% | -25.43% | -3,033 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.68% | 8.21% | 9.07% | 8.11% | 4.21% | 4.25% | 4.98% | 8.64% | +53 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 | 2.68% | 3.19% | 2.73% | 1.21% | 3.08% | 2.64% | 3.01% | 3.52% | +231 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.69% | 15.78% | 15.80% | 16.38% | 14.28% | 15.02% | 15.50% | 18.39% | +200 bps | |
| Net Worth / Assets | 17.69% | 15.78% | 15.80% | 16.38% | 14.28% | 15.02% | 15.50% | 18.39% | +200 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.30% | 57.62% | 57.58% | 55.95% | 49.19% | 46.22% | 43.52% | 50.90% | -505 bps | |
| Liquid Assets / Assets | 39.24% | 50.66% | 50.69% | 51.95% | 56.61% | 59.34% | 61.92% | 57.60% | +564 bps | |