Westport, CT · Charter 23036
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.46% | -0.65% | -0.93% | 0.28% | 0.10% | -2.62% | -5.48% | -456 bps | |
| Return on Equity | 1.37% | 2.53% | -3.69% | -5.21% | 1.60% | 0.60% | -15.47% | -35.06% | -2,986 bps | |
| Net Interest Margin | 3.88% | 3.47% | 3.41% | 3.46% | 3.15% | 2.91% | 2.45% | 2.38% | -108 bps | |
| Efficiency Ratio | 87.49% | 62.82% | 97.04% | 101.75% | 75.39% | 76.07% | 206% | 327% | +22,548 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.20% | -3.21% | -2.17% | -1.00% | 1.85% | 0.33% | -4.52% | -5.96% | -496 bps | |
| Loan Growth (YoY) | -3.58% | -7.32% | -6.00% | -7.89% | -6.49% | -17.10% | -33.47% | -30.75% | -2,286 bps | |
| Share Growth (YoY) | -3.66% | -3.60% | -1.01% | 1.15% | 3.57% | 1.70% | -3.23% | -3.10% | -425 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.23% | 4.88% | 5.06% | 1.51% | 0.83% | 2.13% | 1.92% | 0.30% | -120 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 | 4.56% | 5.60% | 6.13% | 2.85% | 3.11% | 3.27% | 4.48% | 4.86% | +201 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.51% | 18.15% | 17.69% | 17.79% | 17.29% | 17.06% | 16.93% | 15.64% | -215 bps | |
| Net Worth / Assets | 18.51% | 18.15% | 17.69% | 17.79% | 17.29% | 17.06% | 16.93% | 15.64% | -215 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.55% | 35.34% | 36.48% | 36.84% | 33.91% | 28.80% | 25.08% | 26.33% | -1,051 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |