Naugatuck, CT · Cert 30365
FDIC · 10 branches
Q4 2015
Market Position · New Haven-Milford, CT · 2015 SOD (annual) · 1.4% share · #12 of 26 inst. · $0.3B of $25.5B
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.64% | -0.26% | 0.11%1 | 0.22%1 | 0.24%1 | 0.57% | 0.56% | 0.04%1 | -18 bps | |
| Return on Equity | -5.96% | -2.45% | 1.02% | 2.03% | 2.13% | 5.11% | 4.95% | 0.34% | -169 bps | |
| Net Interest Margin | 3.35% | 3.28% | 3.35% | 3.36% | 3.16% | 3.09% | 3.18% | 3.21% | -15 bps | |
| Efficiency Ratio | 120.59% | 116.65% | 110.90% | 110.72% | 102.57% | 108.82% | 104.92% | 122.55% | +1,183 bps | |
| Non-Interest Burden | 4.13% | 3.90% | 3.77% | 3.78% | 3.24% | 3.40% | 3.36% | 4.04% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.58% | -1.06% | 0.34% | 1.67% | -0.08% | -2.28% | 0.94% | -0.81% | -248 bps | |
| Loan Growth (YoY) | -13.59% | -6.80% | -6.98% | -0.31% | 2.11% | 1.75% | 6.17% | 3.01% | +332 bps | |
| Deposit Growth (YoY) | -5.13% | -6.02% | -3.84% | -4.87% | -2.79% | -3.76% | -2.14% | -0.22% | +465 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 | 0.03% | 0.99% | 0.78% | 0.57% | 0.08% | 0.01% | 0.00% | 0.01% | -57 bps | |
| Allowance / Loans | 2.66% | 1.95% | 1.91% | 1.63% | 1.57% | 1.20% | 1.19% | 0.80% | -83 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 | 11.18% | 11.08% | 11.44% | 11.33% | n/a | |
| Total Risk-Based Capital | 17.77% | 17.45% | 18.56% | 18.67% | 17.64% | 17.97% | 17.95% | 17.65% | -102 bps | |
| Equity / Assets | 10.48% | 10.56% | 11.23% | 11.34% | 11.15% | 11.29% | 11.60% | 11.43% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.63% | 94.56% | 95.12% | 97.09% | 98.35% | 99.97% | 103.19% | 100.22% | +314 bps | |
| Liquid Assets / Assets | 3.81% | 3.34% | 3.42% | 3.50% | 2.67% | 4.61% | 4.52% | 4.48% | +97 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |