PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Webster Trust Company, National Association

Kensington, CT · Cert 33932

FDIC

Q1 2004

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

Executive Summary

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

Return on Assets (quarter, annualized)

-3.36%+1,750 bps YoY

Net Interest Margin (quarter, annualized)

0.28%-11 bps YoY

Efficiency Ratio (quarter, annualized)

108.09%-3,621 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

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%

Discrete quarter, annualized.

MetricQ2 2002Q3 2002Q4 2002Q1 2003Q2 2003Q3 2003Q4 2003Q1 2004YoY ΔTrend
Earnings
Return on Assets-17.39%-25.21%-32.50%-20.87%-14.29%-2.63%0.58%-3.36%+1,750 bps
Return on Equity-23.38%-31.97%-37.52%-24.66%-16.83%-3.05%0.66%-3.83%+2,083 bps
Net Interest Margin0.31%0.54%0.31%0.38%0.35%0.26%0.25%0.28%-11 bps
Efficiency Ratio138.15%176.65%210%144.30%128.46%104.94%98.34%108.09%-3,621 bps
Non-Interest Burden28.70%41.22%55.46%36.32%24.38%4.58%-1.18%6.89%-2,943 bps
Growth
Asset Growth (YoY)3.11%-3.62%16.50%-0.73%-13.82%-16.98%-2.21%44.38%+4,511 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 Capital31.94%200%209%145.70%112.50%106.45%215%146.21%+52 bps
Equity / Assets68.92%88.71%84.46%84.76%85.14%87.03%88.78%86.85%+209 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