Canaan, CT · Cert 2489
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.65% | 0.66% | 0.71% | 0.65% | 0.78% | 0.77% | 0.67% | -4 bps | |
| Return on Equity | 10.61% | 8.21% | 8.20% | 8.98% | 8.49% | 10.21% | 9.87% | 8.61% | -37 bps | |
| Net Interest Margin | 3.41% | 3.22% | 3.21% | 2.97% | 2.86% | 3.15% | 3.12% | 2.94% | -3 bps | |
| Efficiency Ratio | 70.79% | 78.77% | 77.78% | 77.18% | 80.35% | 63.85% | 71.36% | 76.45% | -74 bps | |
| Non-Interest Burden | 2.20% | 2.34% | 2.33% | 2.09% | 1.99% | 1.63% | 2.06% | 2.11% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.89% | 5.04% | 3.59% | 1.96% | 2.58% | 3.49% | 6.39% | -1.52% | -348 bps | |
| Loan Growth (YoY) | 5.69% | 1.84% | -1.35% | 1.94% | -6.87% | -7.21% | -5.77% | -11.83% | -1,378 bps | |
| Deposit Growth (YoY) | 9.07% | 12.98% | 4.83% | 3.59% | 3.84% | 2.92% | 2.26% | -2.22% | -581 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.06% | 0.12% | -0.07% | 0.00% | 0.03% | 0.16% | 0.05% | 0.04% | +4 bps | |
| Allowance / Loans | 1.07% | 1.10% | 1.15% | 1.12% | 1.20% | 1.22% | 1.21% | 1.26% | +14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.40% | 13.71% | 13.92% | 13.07% | 13.61% | 12.83% | 14.42% | 12.71% | -36 bps | |
| Equity / Assets | 7.83% | 7.98% | 8.16% | 7.68% | 7.69% | 7.65% | 7.90% | 7.71% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.83% | 84.42% | 84.02% | 81.40% | 75.18% | 76.11% | 77.43% | 73.40% | -800 bps | |
| Liquid Assets / Assets | 1.23% | 1.54% | 1.00% | 0.75% | 0.71% | 0.71% | 0.73% | 0.64% | -11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |