Greenwich, CT · Cert 33822
FDIC
Q1 2003
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 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.53% | 5.36% | 4.97% | 4.80% | 5.38% | 5.28% | 4.39% | 3.47% | -133 bps | |
| Return on Equity | n/a | n/a | n/a | 27.74% | 28.40% | 26.26% | 21.02% | 14.52% | -1,322 bps | |
| Net Interest Margin | 1.93% | 1.97% | 1.94% | 2.67% | 3.03% | 3.09% | 2.84% | 1.99% | -68 bps | |
| Efficiency Ratio | 63.57% | 60.76% | 61.49% | 59.78% | 58.42% | 60.95% | 66.42% | 69.21% | +943 bps | |
| Non-Interest Burden | -4.76% | -5.08% | -4.46% | -4.91% | -5.68% | -5.02% | -3.89% | -3.35% | +157 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 97.50% | 92.72% | 108.66% | 78.95% | 15.27% | 7.28% | -6.62% | -6.00% | -8,495 bps | |
| Loan Growth (YoY) | 629% | 379% | 349% | 557% | 7.21% | 1.66% | 7.72% | -1.46% | -55,856 bps | |
| Deposit Growth (YoY) | 77.53% | 75.14% | 92.65% | 61.79% | 11.96% | 4.08% | -10.95% | -16.48% | -7,826 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 | 0.00% | 0.00% | 0.00% | -0.04% | -0.02% | 0.21% | 0.15% | -0.01% | +3 bps | |
| Allowance / Loans | 1.19% | 1.16% | 1.13% | 1.10% | 1.13% | 0.98% | 0.90% | 0.96% | -15 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 | 28.58% | 24.87% | 27.08% | 34.21% | 40.99% | 39.69% | 41.12% | 44.27% | +1,006 bps | |
| Equity / Assets | 18.49% | 19.14% | 17.38% | 17.23% | 22.55% | 23.77% | 24.27% | 23.58% | +634 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 31.61% | 30.81% | 27.57% | 26.82% | 30.27% | 30.10% | 33.35% | 31.64% | +482 bps | |
| Liquid Assets / Assets | 0.08% | 0.07% | 0.06% | 0.06% | 0.07% | 0.07% | 0.07% | 0.09% | +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 |