Ansonia, CT · Charter 3146
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 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.
Ansonia, CT · Charter 3146
Q2 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.01% | -0.13% | -0.24% | 0.05% | -0.12% | -12 bps | |
| Return on Equity | 0.04% | -0.91% | -1.56% | 0.35% | -0.78% | -82 bps | |
| Net Interest Margin | 5.15% | 4.84% | 5.01% | 4.30% | 4.33% | -82 bps | |
| Efficiency Ratio | 99.36% | 102.02% | 104.01% | 98.97% | 102.41% | +306 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.77% | 0.15% | -10.56% | -6.62% | -7.08% | +769 bps | |
| Loan Growth (YoY) | -37.47% | -32.76% | -31.65% | -36.28% | -6.71% | +3,076 bps | |
| Share Growth (YoY) | -17.48% | -0.24% | -12.14% | -7.41% | -7.95% | +953 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.35% | 9.92% | 10.70% | 0.70% | 1.66% | -669 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.56% | 6.08% | 7.34% | 3.23% | 4.05% | -151 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.30% | 14.25% | 15.29% | 15.29% | 15.09% | +79 bps | |
| Net Worth / Assets | 14.30% | 14.25% | 15.29% | 15.29% | 15.09% | +79 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.91% | 38.55% | 39.92% | 33.91% | 39.43% | +53 bps | |
| Liquid Assets / Assets | 65.11% | 65.90% | 65.65% | 69.34% | 64.83% | -28 bps | |