Hartford, CT · Cert 32957
FDIC · 1 branch
Q4 2022
Market Position · Hartford-East Hartford-Middletown, CT · 2022 SOD (annual) · 0.0% share · #27 of 28 inst. · $0.0B of $57.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 30.71% | 31.03% | 40.05% | 44.66% | 51.83% | 8.72% | 4.27% | 6.32% | -3,833 bps | |
| Return on Equity | 35.74% | 36.29% | 49.86% | 58.35% | 60.18% | 9.90% | 5.05% | 7.75% | -5,060 bps | |
| Net Interest Margin | 1.03% | 0.87% | 1.05% | 1.21% | 1.31% | 1.62% | 3.25% | 3.99% | +277 bps | |
| Efficiency Ratio | 15.75% | 14.88% | 13.46% | 15.30% | 13.02% | 71.99% | 82.09% | 74.81% | +5,951 bps | |
| Non-Interest Burden | -39.79% | -39.92% | -38.49% | -60.68% | -66.44% | -15.44% | -3.22% | -5.68% | +5,501 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.48% | 15.84% | -38.48% | -24.65% | -30.43% | 8.99% | 80.50% | 88.29% | +11,294 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 0.38% | 0.38% | 0.38% | 0.19% | 0.19% | -4.92% | -5.27% | -100.00% | -10,019 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 88.63% | 87.74% | 40.22% | 80.86% | 91.91% | 133.75% | 98.62% | 97.74% | +1,688 bps | |
| Total Risk-Based Capital | 212% | 210% | 300% | 387% | 418% | 403% | 447% | 421% | +3,415 bps | |
| Equity / Assets | 85.54% | 85.47% | 71.94% | 81.02% | 91.20% | 86.17% | 83.09% | 80.15% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 0.03% | 0.02% | 0.04% | 0.04% | 0.04% | 0.00% | 0.00% | 0.00% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |