Fairfield, CT · Charter 24723
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Fairfield, CT · Charter 24723
Q3 2015
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.57% | 0.29% | 0.33% | 0.38% | 0.34% | 0.23% | 0.22% | 0.21% | -17 bps | |
| Return on Equity | -7.79% | 4.04% | 4.66% | 4.94% | 4.57% | 3.16% | 3.10% | 2.69% | -225 bps | |
| Net Interest Margin | 3.75% | 3.61% | 3.50% | 3.65% | 3.49% | 3.17% | 3.13% | 3.33% | -33 bps | |
| Efficiency Ratio | 105.21% | 89.40% | 89.07% | 90.16% | 90.66% | 93.30% | 94.75% | 97.18% | +702 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.83% | -3.63% | -3.01% | -1.20% | 2.45% | 3.41% | 3.32% | 3.25% | +445 bps | |
| Loan Growth (YoY) | -5.28% | -2.89% | -8.15% | -5.52% | -9.00% | -12.66% | -9.86% | -5.69% | -17 bps | |
| Share Growth (YoY) | 0.20% | -3.43% | -3.41% | -1.37% | 2.21% | 3.14% | 3.59% | 2.22% | +358 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.54% | 0.54% | 0.63% | 0.82% | 0.81% | 0.58% | 0.91% | +28 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 | 0.71% | 0.79% | 0.83% | 0.70% | 0.76% | 0.67% | 0.65% | 0.53% | -17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.26% | 7.29% | 7.10% | 7.67% | 7.43% | 7.37% | 7.14% | 7.63% | -4 bps | |
| Net Worth / Assets | 7.26% | 7.29% | 7.10% | 7.67% | 7.43% | 7.37% | 7.14% | 7.63% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.36% | 82.86% | 75.32% | 79.95% | 74.21% | 70.16% | 65.55% | 73.77% | -618 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |