Bridgeport, CT · Charter 23119
Q4 2009
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 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.03% | 0.06% | 2.10% | -3.58% | -0.85% | -7.36% | -8.67% | -1,077 bps | |
| Return on Equity | 1.77% | 0.21% | 0.37% | 10.67% | -21.29% | -4.25% | -44.33% | -30.25% | -4,092 bps | |
| Net Interest Margin | 1.33% | 1.29% | 1.44% | 1.39% | 0.74% | 0.75% | 0.85% | 1.43% | +4 bps | |
| Efficiency Ratio | 82.84% | 97.67% | 96.13% | 100.96% | 135.11% | 76.16% | 282% | 981% | +87,977 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.33% | -10.17% | -9.10% | -11.94% | -8.72% | -15.64% | -18.08% | -48.26% | -3,633 bps | |
| Loan Growth (YoY) | -54.76% | -39.69% | -44.80% | -24.85% | -18.90% | -25.43% | -15.05% | -75.59% | -5,075 bps | |
| Share Growth (YoY) | -8.90% | -14.08% | -11.48% | -16.55% | -12.01% | -20.50% | -18.70% | -55.49% | -3,894 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 18.18% | 20.12% | 24.20% | 19.91% | 43.71% | 43.34% | 18.61% | 18.99% | -92 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 | 31.56% | 37.76% | 50.11% | 29.65% | 33.38% | 40.19% | 51.99% | 67.28% | +3,763 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.03% | 15.61% | 16.86% | 19.70% | 16.84% | 20.01% | 16.60% | 28.64% | +894 bps | |
| Net Worth / Assets | 15.03% | 15.61% | 16.86% | 19.70% | 16.84% | 20.01% | 16.60% | 28.64% | +894 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 14.31% | 13.61% | 12.35% | 16.62% | 13.19% | 12.76% | 12.91% | 9.11% | -751 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |