Stamford, CT · Cert 26006
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.89% | 1.07% | 1.02% | 0.80% | 0.84% | 1.21% | -4.01% | -503 bps | |
| Return on Equity | 21.67% | 9.39% | 11.04% | 9.93% | 7.89% | 8.50% | 11.58% | -41.10% | -5,103 bps | |
| Net Interest Margin | 3.96% | 3.84% | 4.16% | 4.49% | 4.56% | 4.59% | 4.57% | 4.59% | +10 bps | |
| Efficiency Ratio | 67.16% | 70.02% | 64.79% | 70.65% | 71.24% | 66.02% | 68.52% | 230% | +15,964 bps | |
| Non-Interest Burden | 2.09% | 2.46% | 2.31% | 2.94% | 3.10% | 2.76% | 2.88% | 11.25% | +831 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% | -0.01% | 0.22% | 0.39% | 0.09% | 0.05% | 0.17% | 0.24% | -14 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 |