Wilton, CT · Charter 23902
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Wilton, CT · Charter 23902
Q2 2001
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.91% | 1.00% | 0.91% | 0.86% | 0.61% | -30 bps | |
| Return on Equity | n/a | n/a | 9.97% | 10.08% | 7.50% | n/a | |
| Net Interest Margin | 4.28% | 4.24% | 4.00% | 3.83% | 3.37% | -91 bps | |
| Efficiency Ratio | 77.53% | 75.93% | 76.74% | 76.99% | 80.90% | +338 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.37% | 1.73% | 9.93% | 14.19% | 40.18% | +4,155 bps | |
| Loan Growth (YoY) | 16.52% | 20.10% | 25.88% | 29.02% | 37.31% | +2,079 bps | |
| Share Growth (YoY) | -2.16% | 0.83% | 9.32% | 14.10% | 41.79% | +4,395 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.46% | 0.41% | 0.42% | 0.53% | 0.62% | +16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.17% | 1.13% | 1.05% | 1.00% | 0.95% | -22 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 9.10% | 8.56% | 8.11% | n/a | |
| Net Worth / Assets | n/a | n/a | 9.10% | 8.56% | 8.11% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.92% | 75.76% | 77.91% | 72.74% | 69.65% | -227 bps | |
| Liquid Assets / Assets | 19.43% | 21.22% | 22.60% | 27.06% | 26.72% | +729 bps | |