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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| 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% | 30.85% | 35.23% | 36.52% | 51.83% | 25.66% | 17.32% | 14.05% | -2,247 bps | |
| Return on Equity | 35.74% | 35.97% | 42.33% | 44.06% | 60.18% | 29.78% | 20.33% | 16.74% | -2,732 bps | |
| Net Interest Margin | 1.03% | 0.90% | 0.89% | 1.45% | 1.31% | 1.39% | 1.76% | 2.27% | +82 bps | |
| Efficiency Ratio | 15.75% | 15.29% | 14.64% | 14.81% | 13.02% | 40.82% | 52.45% | 57.65% | +4,285 bps | |
| Non-Interest Burden | -39.79% | -37.93% | -35.60% | -61.11% | -66.44% | -37.43% | -19.29% | -15.45% | +4,566 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 |