PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

State Street Bank and Trust Company of Connecticut, N.A.

Hartford, CT · Cert 33132

FDIC

Q1 2005

$49.0MAssets
n/aLoans
n/aDeposits
$46.8MEquity

Executive Summary

  • Earnings: ROA of -0.11%, up 59 bps year over year; NIM at 0.02%.

Return on Assets (quarter, annualized)

-0.11%+59 bps YoY

Net Interest Margin (quarter, annualized)

0.02%-1 bps YoY

Efficiency Ratio (quarter, annualized)

168.97%-26,799 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.00%Q1 ’030.04%Q1 ’040.02%Q1 ’05-35%

Non-interest income vs. expense

5.49%Q1 ’031.51%Q1 ’040.40%Q1 ’05+69%-84%

Discrete quarter, annualized.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets-0.22%-4.13%54.21%-0.70%4.77%-0.19%0.05%-0.11%+59 bps
Return on Equity-0.25%-4.37%61.00%-0.80%5.20%-0.20%0.05%-0.11%+69 bps
Net Interest Margin0.00%0.00%0.00%0.04%0.00%0.02%0.00%0.02%-1 bps
Efficiency Ratio96.29%146.94%1.69%437%2.14%311%58.33%168.97%-26,799 bps
Non-Interest Burden-0.24%3.20%-84.02%1.20%-8.19%0.33%-0.08%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/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital397%435%379%385%456%458%457%458%+7,327 bps
Equity / Assets93.81%95.28%84.01%89.04%94.60%94.70%94.39%95.51%+647 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a