Torrington, CT · Charter 24132
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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.
Torrington, CT · Charter 24132
Q4 2003
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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.62% | -2.33% | -2.92% | -2.73% | -2.63% | -2.96% | -5.10% | -6.25% | -352 bps | |
| Return on Equity | -2.03% | -8.11% | -10.47% | -10.79% | -10.86% | -12.52% | -21.02% | -26.01% | -1,521 bps | |
| Net Interest Margin | 5.67% | 3.90% | 3.78% | 3.51% | 3.15% | 3.09% | 3.28% | 3.33% | -18 bps | |
| Efficiency Ratio | 114.62% | 159.33% | 176.50% | 177.42% | 183.44% | 195.30% | 255% | 287% | +10,969 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.75% | -9.12% | -3.34% | 1.97% | 11.86% | 7.46% | -3.56% | -16.56% | -1,853 bps | |
| Loan Growth (YoY) | -2.99% | -17.30% | -10.07% | -10.33% | -10.78% | 3.96% | -25.49% | -33.37% | -2,304 bps | |
| Share Growth (YoY) | -14.97% | -10.23% | -1.29% | 7.20% | 22.44% | 15.06% | 1.12% | -15.25% | -2,245 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.57% | 0.46% | 2.18% | 2.28% | 2.29% | 0.62% | 0.00% | -218 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 | 0.64% | 0.82% | 0.66% | 0.66% | 0.72% | 0.79% | 0.88% | 0.29% | -36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.77% | 28.71% | 27.84% | 25.26% | 24.17% | 23.61% | 24.28% | 24.03% | -124 bps | |
| Net Worth / Assets | 30.77% | 28.71% | 27.84% | 25.26% | 24.17% | 23.61% | 24.28% | 24.03% | -124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.35% | 53.12% | 65.68% | 58.75% | 51.99% | 48.00% | 48.40% | 46.19% | -1,256 bps | |
| Liquid Assets / Assets | 45.30% | 54.02% | 42.79% | 50.75% | 59.34% | 62.09% | 57.20% | 60.41% | +967 bps | |