Stamford, CT · Cert 26006
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Stamford, CT · Cert 26006
FDIC
Q4 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.01% | 1.44% | 1.32% | 1.25% | 0.80% | 0.83% | 0.96% | -0.25% | -150 bps | |
| Return on Equity | 21.67% | 15.48% | 13.97% | 12.93% | 7.89% | 8.20% | 9.35% | -2.49% | -1,543 bps | |
| Net Interest Margin | 3.96% | 3.84% | 3.98% | 4.15% | 4.56% | 4.56% | 4.53% | 4.68% | +53 bps | |
| Efficiency Ratio | 67.16% | 68.46% | 67.22% | 68.08% | 71.24% | 68.54% | 68.53% | 107.17% | +3,909 bps | |
| Non-Interest Burden | 2.09% | 2.24% | 2.29% | 2.47% | 3.10% | 2.92% | 2.88% | 5.06% | +259 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.95% | -1.16% | -3.24% | -6.14% | 5.32% | 0.25% | 0.71% | -0.14% | +599 bps | |
| Loan Growth (YoY) | 7.02% | 8.01% | 14.06% | 10.30% | 7.93% | 5.40% | -0.31% | 4.56% | -575 bps | |
| Deposit Growth (YoY) | -4.25% | -4.07% | -7.75% | -10.93% | 2.58% | -0.42% | 3.83% | 3.65% | +1,457 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 | -1.43% | -0.71% | -0.39% | -0.20% | 0.09% | 0.07% | 0.11% | 0.14% | +33 bps | |
| Allowance / Loans | 1.80% | 1.75% | 1.66% | 1.64% | 1.60% | 1.64% | 1.66% | 1.58% | -7 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 | 14.84% | 15.03% | 15.16% | 15.48% | 14.99% | 15.48% | 16.11% | 12.36% | -312 bps | |
| Equity / Assets | 9.60% | 9.35% | 10.02% | 10.53% | 9.78% | 10.08% | 10.84% | 8.63% | -190 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.69% | 66.82% | 75.52% | 76.05% | 72.27% | 70.72% | 72.50% | 76.72% | +67 bps | |
| Liquid Assets / Assets | 13.94% | 22.86% | 22.46% | 22.65% | 20.09% | 19.02% | 19.65% | 17.69% | -497 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |