Hartford, CT · Cert 33132
FDIC
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Hartford, CT · Cert 33132
FDIC
Q1 2005
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.36% | -1.43% | 11.95% | -0.70% | 1.96% | 1.26% | 0.97% | -0.11% | +59 bps | |
| Return on Equity | -0.46% | -1.76% | 14.59% | -0.80% | 2.20% | 1.40% | 1.06% | -0.11% | +69 bps | |
| Net Interest Margin | 0.00% | 0.00% | 0.00% | 0.04% | 0.02% | 0.02% | 0.02% | 0.02% | -1 bps | |
| Efficiency Ratio | 105.97% | 119.51% | 21.72% | 437% | 20.78% | 25.57% | 26.28% | 168.97% | -26,799 bps | |
| Non-Interest Burden | 0.41% | 1.34% | -20.15% | 1.20% | -3.44% | -2.19% | -1.65% | 0.19% | -102 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 72.00% | 75.24% | -16.69% | 11.47% | 15.55% | 18.47% | -10.05% | -5.62% | -1,709 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) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 397% | 435% | 379% | 385% | 456% | 458% | 457% | 458% | +7,327 bps | |
| Equity / Assets | 93.81% | 95.28% | 84.01% | 89.04% | 94.60% | 94.70% | 94.39% | 95.51% | +647 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |