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Farrel

Ansonia, CT · Charter 2591

Q3 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2013, the quarter ended September 30, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Farrel

Ansonia, CT · Charter 2591

Q3 2013

$2.5MAssets
$50KLoans
$2.1MShares
$269KNet Worth

Executive Summary

  • Earnings: ROA of -8.70%, down 697 bps year over year; NIM at -4.47%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 10.71%, down 598 bps from a year ago.
  • Funding: loans stand at 2.37% of shares as of Q3 2013.

Return on Assets (YTD, annualized)

-8.70%-697 bps YoY

Net Interest Margin (YTD, annualized)

-4.47%-638 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

10.71%-598 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets-0.90%-0.53%-0.91%-1.73%-1.53%-1.49%-1.99%-8.70%-697 bps
Return on Equity-5.54%-2.97%-5.28%-10.34%-8.83%-8.71%-12.70%-81.25%-7,091 bps
Net Interest Margin2.33%2.17%1.99%1.91%1.88%1.21%1.13%-4.47%-638 bps
Efficiency Ratio123.89%124.68%135.15%182.04%177.98%222%275%n/an/a
Growth
Asset Growth (YoY)-12.08%-16.59%-14.79%-14.03%-14.54%-6.15%-2.76%-4.93%+910 bps
Loan Growth (YoY)-22.84%5.20%-4.26%-13.57%-32.30%-36.04%-36.99%-37.35%-2,377 bps
Share Growth (YoY)-12.58%-19.17%-16.60%-15.24%-15.77%-5.13%-0.88%-3.13%+1,211 bps
Asset Quality
Delinquent Loans / Loans2.67%2.56%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.00%4.00%4.93%5.70%4.50%4.80%5.20%5.87%+17 bps
Capital
Risk-Based Capital16.15%17.84%17.30%16.69%17.37%17.15%15.71%10.71%-598 bps
Net Worth / Assets16.15%17.84%17.30%16.69%17.37%17.15%15.71%10.71%-598 bps
Liquidity & Funding
Loans / Shares4.19%4.68%4.06%3.66%3.37%3.16%2.58%2.37%-129 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps