Bethel, CT · Charter 23659
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Bethel, CT · Charter 23659
Q3 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.51% | -1.42% | -1.20% | 0.97% | 0.15% | -0.12% | -0.37% | -0.43% | -139 bps | |
| Return on Equity | -3.18% | -9.34% | -7.91% | 6.35% | 1.01% | -0.89% | -2.67% | -3.13% | -948 bps | |
| Net Interest Margin | 5.06% | 5.10% | 5.11% | 4.75% | 4.60% | 3.84% | 3.82% | 3.76% | -99 bps | |
| Efficiency Ratio | 76.20% | 92.29% | 91.42% | 81.31% | 86.78% | 92.14% | 97.70% | 98.54% | +1,724 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.93% | 4.45% | 6.19% | 4.32% | 2.83% | 8.11% | 7.44% | 8.06% | +375 bps | |
| Loan Growth (YoY) | 14.32% | 16.36% | 16.16% | 7.60% | -9.06% | -17.23% | -17.27% | -16.39% | -2,399 bps | |
| Share Growth (YoY) | 5.85% | 6.63% | 9.21% | 5.58% | 4.55% | 9.80% | 8.82% | 9.98% | +441 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 1.66% | 1.97% | 1.95% | 1.63% | 2.02% | 1.29% | 1.55% | -40 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 | 0.72% | 0.91% | 1.11% | 0.97% | 0.97% | 1.08% | 1.08% | 1.09% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.12% | 15.23% | 15.17% | 15.20% | 14.87% | 14.04% | 14.04% | 13.62% | -157 bps | |
| Net Worth / Assets | 16.12% | 15.23% | 15.17% | 15.20% | 14.87% | 14.04% | 14.04% | 13.62% | -157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.91% | 93.89% | 91.80% | 88.01% | 82.55% | 70.77% | 69.80% | 66.91% | -2,111 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |