Wilton, CT · Cert 26948
FDIC
Q3 2013
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.09% | -2.16% | -2.00% | -2.05% | -2.34% | -2.48% | -2.56% | -2.68% | -62 bps | |
| Return on Equity | -29.27% | -16.89% | -15.80% | -16.46% | -19.41% | -24.06% | -25.55% | -27.12% | -1,066 bps | |
| Net Interest Margin | 2.39% | 2.85% | 2.60% | 2.56% | 2.40% | 2.71% | 2.30% | 2.22% | -34 bps | |
| Efficiency Ratio | 140.69% | 177.39% | 170.20% | 175.99% | 201% | 210% | 230% | 228% | +5,247 bps | |
| Non-Interest Burden | 3.74% | 5.06% | 4.62% | 4.68% | 4.75% | 4.80% | 4.89% | 5.01% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.34% | -12.59% | -6.68% | -5.68% | -0.38% | 2.52% | 2.42% | -3.67% | +201 bps | |
| Loan Growth (YoY) | -17.46% | -19.52% | -21.18% | -11.47% | -18.56% | -20.00% | -19.89% | -20.92% | -945 bps | |
| Deposit Growth (YoY) | -6.39% | -10.63% | -5.81% | -3.96% | 2.16% | 5.82% | 5.77% | -1.09% | +287 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 | 3.95% | 0.30% | 0.91% | 0.59% | 0.57% | 2.88% | 1.59% | 1.03% | +44 bps | |
| Allowance / Loans | 3.16% | 3.28% | 3.07% | 3.02% | 3.31% | 3.09% | 2.95% | 2.96% | -6 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 | 20.09% | 19.68% | 20.14% | 19.04% | 19.70% | 18.90% | 18.72% | 18.10% | -94 bps | |
| Equity / Assets | 12.79% | 12.78% | 12.30% | 11.95% | 10.55% | 10.07% | 9.40% | 9.41% | -255 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.10% | 61.15% | 57.73% | 59.50% | 49.51% | 46.22% | 43.72% | 47.57% | -1,193 bps | |
| Liquid Assets / Assets | 34.90% | 33.97% | 36.79% | 35.01% | 44.25% | 45.45% | 49.46% | 46.30% | +1,129 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |