New London, CT · Charter 24126
Q4 1996
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.63% | 2.09% | 2.89% | 3.01% | 3.13% | 3.44% | +136 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | 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 | -24.32% | -44.44% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -9.20% | -99.37% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -26.98% | -100.00% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 2.48% | 2.49% | 2.27% | 1.15% | 0.25% | 0.00% | -249 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.00% | 2.43% | 2.66% | 2.35% | 1.50% | 241% | +23,846 bps | |
| Capital | ||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | ||||||||
| Loans / Shares | 23.74% | 28.71% | 30.78% | 31.36% | 29.52% | n/a | n/a | |
| Liquid Assets / Assets | 45.03% | 44.83% | 53.71% | 57.51% | 61.59% | 51.19% | +636 bps | |