Kensington, CT · Cert 33932
FDIC
Q1 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 0.38% | 0.37% | 0.34% | 0.31% | 0.28% | -11 bps | |
| Efficiency Ratio | 144.30% | 136.39% | 125.90% | 118.86% | 108.09% | -3,621 bps | |
| Non-Interest Burden | 36.32% | 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/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 |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 145.70% | 112.50% | 106.45% | 215% | 146.21% | +52 bps | |
| Equity / Assets | 84.76% | 85.14% | 87.03% | 88.78% | 86.85% | +209 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 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 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |