PackageTrendsPeer
Letter portraitLegal landscape

Webster Trust Company, National Association

Kensington, CT · Cert 33932

FDIC

Q1 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2004, the quarter ended March 31, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Webster Trust Company, National Association

Kensington, CT · Cert 33932

FDIC

Q1 2004

$12.2MAssets
n/aLoans
n/aDeposits
$10.6MEquity

NIM

0.24%Q1 ’020.38%Q1 ’030.28%Q1 ’04+62%-28%

Non-interest income vs. expense

123.16%Q1 ’02117.06%Q1 ’0388.36%Q1 ’04+16%-81%

Executive Summary

  • Earnings: ROA of -3.36%, up 1,750 bps year over year; NIM at 0.28%.

Financial Results

Return on Assets (YTD, annualized)

-3.36%+1,750 bps YoY

Net Interest Margin (YTD, annualized)

0.28%-11 bps YoY

Efficiency Ratio (YTD, annualized)

108.09%-3,621 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2003Q2 2003Q3 2003Q4 2003Q1 2004YoY ΔTrend
Earnings
Return on Assets-20.87%-17.64%-12.83%-9.37%-3.36%+1,750 bps
Return on Equity-24.66%-20.81%-15.05%-10.90%-3.83%+2,083 bps
Net Interest Margin0.38%0.37%0.34%0.31%0.28%-11 bps
Efficiency Ratio144.30%136.39%125.90%118.86%108.09%-3,621 bps
Non-Interest Burden36.32%31.14%23.00%16.24%6.89%-2,943 bps
Growth
Asset Growth (YoY)-0.73%-13.82%-16.98%-2.21%44.38%+4,511 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital145.70%112.50%106.45%215%146.21%+52 bps
Equity / Assets84.76%85.14%87.03%88.78%86.85%+209 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a