Dayville, CT · Charter 23602
Q2 1997
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 | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 3.98% | 3.68% | 3.48% | 3.79% | 4.86% | 4.24% | -9.45% | -1,292 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 17.83% | 9.21% | -23.91% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 21.97% | 2.40% | -17.56% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 17.77% | 14.83% | -22.09% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 2.10% | 1.44% | 1.86% | 0.61% | 2.23% | 2.28% | 5.11% | +325 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.09% | 1.73% | 1.76% | 1.72% | 1.67% | 1.69% | 4.57% | +282 bps | |
| Capital | |||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||||
| Loans / Shares | 86.23% | 109.04% | 89.99% | 88.79% | 89.30% | 97.24% | 95.23% | +524 bps | |
| Liquid Assets / Assets | 20.25% | 1.58% | 12.84% | 18.23% | 15.27% | 13.51% | 12.58% | -25 bps | |