New Britain, CT · Cert 32721
FDIC
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.85% | 1.06% | 1.12% | 1.04% | 0.89% | 0.88% | 0.87% | -26 bps | |
| Return on Equity | 6.02% | 12.58% | 15.54% | 16.41% | 14.99% | 12.20% | 12.29% | 11.81% | -460 bps | |
| Net Interest Margin | 3.17% | 3.38% | 3.28% | 3.36% | 3.50% | 3.57% | 3.56% | 3.59% | +23 bps | |
| Efficiency Ratio | 70.02% | 69.01% | 68.68% | 65.58% | 66.92% | 68.60% | 67.47% | 68.48% | +290 bps | |
| Non-Interest Burden | 2.16% | 2.29% | 2.20% | 2.15% | 2.28% | 2.37% | 2.34% | 2.39% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.53% | 22.72% | 7.93% | 3.10% | 1.15% | 3.26% | -4.01% | -3.19% | -630 bps | |
| Loan Growth (YoY) | 26.33% | 21.61% | 11.30% | 6.18% | -0.96% | 1.85% | 1.26% | 2.19% | -400 bps | |
| Deposit Growth (YoY) | 18.81% | 22.42% | 4.92% | 4.79% | 0.23% | -0.04% | -5.47% | -5.95% | -1,073 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 | 0.04% | 0.00% | 0.03% | 0.02% | 0.02% | 0.02% | 0.01% | 0.01% | -1 bps | |
| Allowance / Loans | 1.18% | 1.25% | 1.27% | 1.32% | 1.38% | 1.46% | 1.46% | 1.44% | +13 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 | 10.96% | 11.90% | 12.56% | 13.12% | 13.71% | 13.92% | 14.19% | 14.56% | +144 bps | |
| Equity / Assets | 6.65% | 6.85% | 6.96% | 6.94% | 7.19% | 7.40% | 6.98% | 7.81% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.32% | 56.99% | 55.45% | 55.98% | 57.63% | 58.07% | 59.40% | 60.82% | +484 bps | |
| Liquid Assets / Assets | 0.04% | 0.03% | 0.03% | 0.03% | 0.04% | 0.01% | 0.01% | 0.00% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |