Stamford, CT · Charter 24172
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 | 4.60% | 3.77% | 3.45% | 3.24% | 0.58% | 0.72% | 1.00% | 0.72% | -252 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 5.55% | 4.45% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.13% | 4.55% | 4.60% | 3.87% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 79.83% | 80.13% | 77.06% | 82.04% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.66% | 8.75% | 14.46% | 17.17% | 15.22% | 10.72% | 4.90% | 13.86% | -331 bps | |
| Loan Growth (YoY) | 8.18% | 38.33% | 45.53% | 51.10% | 59.58% | 27.94% | 31.05% | 27.29% | -2,381 bps | |
| Share Growth (YoY) | 3.71% | 5.90% | 14.48% | 18.91% | 17.87% | 11.94% | 4.12% | 14.66% | -425 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.62% | 1.03% | 1.13% | 0.97% | 0.99% | 0.77% | 0.83% | 0.62% | -35 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 | 1.29% | 0.89% | 0.64% | 0.55% | 0.50% | 0.68% | 0.65% | 0.50% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 17.95% | 16.06% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 17.95% | 16.06% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.32% | 74.97% | 74.75% | 75.51% | 84.37% | 85.68% | 94.08% | 83.83% | +831 bps | |
| Liquid Assets / Assets | 36.99% | 27.36% | 32.55% | 33.10% | 4.90% | 5.03% | 19.94% | 27.17% | -593 bps | |