Stamford, CT · Charter 24
Q2 2001
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.63% | 3.56% | 3.62% | 3.23% | 0.38% | 0.62% | 0.59% | -0.10% | -332 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 6.19% | -1.15% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.20% | 4.43% | 4.86% | 3.70% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 82.72% | 82.86% | 84.96% | 106.19% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.35% | 4.83% | 16.91% | 10.68% | 7.45% | 0.96% | -6.58% | -0.22% | -1,089 bps | |
| Loan Growth (YoY) | 15.04% | 13.23% | 4.62% | -0.67% | -3.46% | 1.29% | 7.92% | 11.48% | +1,216 bps | |
| Share Growth (YoY) | 6.76% | 6.10% | 17.37% | 10.65% | 7.30% | -0.13% | -8.33% | -0.76% | -1,141 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.66% | 1.25% | 1.15% | 1.21% | 1.48% | 0.54% | 0.72% | 0.78% | -42 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 | 2.09% | 2.04% | 1.95% | 1.92% | 2.18% | 1.51% | 1.53% | 1.42% | -50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 9.53% | 8.43% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 9.53% | 8.43% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.31% | 59.64% | 60.88% | 55.08% | 60.57% | 60.49% | 71.67% | 61.87% | +680 bps | |
| Liquid Assets / Assets | 20.58% | 35.09% | 20.35% | 23.01% | 15.24% | 17.09% | 17.44% | 34.92% | +1,191 bps | |