East Hartford, CT · Charter 2601
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 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.
East Hartford, CT · Charter 2601
Q1 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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.70% | 0.57% | -0.59% | -0.34% | -0.04% | 0.05% | -0.17% | +42 bps | |
| Return on Equity | 8.19% | 7.53% | 6.21% | -6.66% | -3.84% | -0.40% | 0.58% | -2.00% | +466 bps | |
| Net Interest Margin | 3.01% | 3.18% | 3.07% | 2.94% | 2.99% | 3.06% | 2.95% | 2.79% | -15 bps | |
| Efficiency Ratio | 86.81% | 88.28% | 87.83% | 99.37% | 98.97% | 95.43% | 94.75% | 100.55% | +119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.08% | -1.41% | -1.63% | -2.35% | -4.10% | 1.63% | 4.94% | 5.32% | +767 bps | |
| Loan Growth (YoY) | -3.26% | -5.43% | 0.81% | 4.61% | 6.50% | 7.04% | 8.78% | 8.26% | +365 bps | |
| Share Growth (YoY) | 3.73% | 0.10% | -3.45% | -0.95% | -1.63% | 0.08% | 1.77% | 2.41% | +336 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.14% | 3.27% | 4.78% | 2.91% | 2.91% | 3.91% | 3.52% | 2.71% | -20 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 | 1.22% | 1.07% | 1.09% | 1.33% | 1.27% | 1.27% | 1.03% | 1.02% | -30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.48% | 9.23% | 9.23% | 8.83% | 8.87% | 9.11% | 8.84% | 8.53% | -30 bps | |
| Net Worth / Assets | 8.48% | 9.23% | 9.23% | 8.83% | 8.87% | 9.11% | 8.84% | 8.53% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.53% | 87.83% | 90.30% | 86.13% | 88.26% | 93.95% | 96.52% | 91.05% | +492 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |