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Wilton Bank, The

Wilton, CT · Cert 26948

FDIC

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: FFIEC Call Report (031/041/051), 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

Wilton Bank, The

Wilton, CT · Cert 26948

FDIC

Q3 2013

$69.6MAssets
$29.8MLoans
$62.7MDeposits
$6.5MEquity
Loan mix
87%RE $21.8M10%C&I $2.4M3%Consumer $0.7MQ3 2012Q3 2013
Deposit mix
79%Interest-bearing $49.3M21%Noninterest $13.4MQ3 2012Q3 2013

NIM

2.76%Q3 ’112.81%Q3 ’122.42%Q3 ’13+6%-13%

Non-interest income vs. expense

4.75%Q3 ’114.91%Q3 ’124.97%Q3 ’13+45%+7%

Executive Summary

  • Earnings: ROA of -2.68%, down 62 bps year over year; NIM at 2.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.03%.
  • Funding: loans stand at 47.57% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

-2.68%-62 bps YoY

Net Interest Margin (YTD, annualized)

2.22%-34 bps YoY

Efficiency Ratio (YTD, annualized)

228%+5,247 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets-2.05%-2.34%-2.48%-2.56%-2.68%-62 bps
Return on Equity-16.46%-19.41%-24.06%-25.55%-27.12%-1,066 bps
Net Interest Margin2.56%2.40%2.71%2.30%2.22%-34 bps
Efficiency Ratio175.99%201%210%230%228%+5,247 bps
Non-Interest Burden4.68%4.75%4.80%4.89%5.01%+34 bps
Growth
Asset Growth (YoY)-5.68%-0.38%2.52%2.42%-3.67%+201 bps
Loan Growth (YoY)-11.47%-18.56%-20.00%-19.89%-20.92%-945 bps
Deposit Growth (YoY)-3.96%2.16%5.82%5.77%-1.09%+287 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.59%0.57%2.88%1.59%1.03%+44 bps
Allowance / Loans3.02%3.31%3.09%2.95%2.96%-6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital19.04%19.70%18.90%18.72%18.10%-94 bps
Equity / Assets11.95%10.55%10.07%9.40%9.41%-255 bps
Liquidity & Funding
Loans / Deposits59.50%49.51%46.22%43.72%47.57%-1,193 bps
Liquid Assets / Assets35.01%44.25%45.45%49.46%46.30%+1,129 bps
CRE / Total Capitaln/an/an/an/an/an/an/a