Waterbury, CT · Charter 2655
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Waterbury, CT · Charter 2655
Q3 2003
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.19% | 2.68% | 1.67% | 0.90% | 1.58% | -1.71% | -1.70% | -337 bps | |
| Return on Equity | 1.69% | 0.72% | 9.55% | 5.82% | 3.11% | 5.43% | -6.17% | -5.86% | -1,168 bps | |
| Net Interest Margin | 5.35% | 4.90% | 4.61% | 4.52% | 4.35% | 3.46% | 3.14% | 3.13% | -139 bps | |
| Efficiency Ratio | 91.62% | 103.98% | 108.87% | 109.84% | 116.51% | 140.66% | 146.56% | 148.78% | +3,893 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.85% | -18.68% | -8.84% | -4.44% | -4.91% | -4.54% | -3.56% | -6.36% | -192 bps | |
| Loan Growth (YoY) | -10.56% | -8.96% | -26.32% | -28.88% | -36.50% | -38.43% | -30.49% | -40.19% | -1,131 bps | |
| Share Growth (YoY) | -27.49% | -24.05% | -13.22% | -7.60% | -7.59% | -7.57% | -2.84% | -6.34% | +126 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 13.09% | 11.18% | 3.89% | 3.25% | 13.28% | 20.87% | 12.68% | 13.83% | +1,058 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 | 15.29% | 13.97% | 10.54% | 11.63% | 13.06% | 12.82% | 9.19% | 11.30% | -33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.58% | 26.57% | 28.08% | 28.74% | 28.91% | 29.12% | 27.76% | 29.02% | +28 bps | |
| Net Worth / Assets | 26.58% | 26.57% | 28.08% | 28.74% | 28.91% | 29.12% | 27.76% | 29.02% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.50% | 53.05% | 43.08% | 43.83% | 40.21% | 35.33% | 30.82% | 27.99% | -1,584 bps | |
| Liquid Assets / Assets | 61.65% | 64.99% | 70.70% | 70.78% | 73.44% | 76.45% | 78.10% | 80.62% | +984 bps | |