Wilton, CT · Charter 23902
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.69% | 0.68% | 0.91% | 1.00% | 0.91% | 0.86% | 0.61% | -30 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 9.97% | 10.08% | 7.50% | n/a | |
| Net Interest Margin | 3.73% | 3.87% | 4.05% | 4.28% | 4.24% | 4.00% | 3.83% | 3.37% | -91 bps | |
| Efficiency Ratio | 81.45% | 80.40% | 80.77% | 77.53% | 75.93% | 76.74% | 76.99% | 80.90% | +338 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.52% | 1.39% | 3.25% | -1.37% | 1.73% | 9.93% | 14.19% | 40.18% | +4,155 bps | |
| Loan Growth (YoY) | 0.81% | 6.38% | 10.75% | 16.52% | 20.10% | 25.88% | 29.02% | 37.31% | +2,079 bps | |
| Share Growth (YoY) | 5.30% | 0.83% | 2.99% | -2.16% | 0.83% | 9.32% | 14.10% | 41.79% | +4,395 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.56% | 0.49% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.23% | 1.19% | 1.21% | 1.17% | 1.13% | 1.05% | 1.00% | 0.95% | -22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 9.10% | 8.56% | 8.11% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 9.10% | 8.56% | 8.11% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.60% | 67.67% | 64.33% | 71.92% | 75.76% | 77.91% | 72.74% | 69.65% | -227 bps | |
| Liquid Assets / Assets | 23.95% | 18.62% | 22.79% | 19.43% | 21.22% | 22.60% | 27.06% | 26.72% | +729 bps | |