Hartford, CT · Cert 34169
FDIC
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Hartford, CT · Cert 34169
FDIC
Q4 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 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -8.56% | -10.64% | -9.45% | -10.99% | -16.24% | -16.05% | -16.45% | -23.01% | -1,201 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -17.77% | -17.59% | -17.96% | -25.63% | n/a | |
| Net Interest Margin | 2.16% | 2.07% | 2.01% | 2.36% | 2.20% | 2.26% | 2.42% | 2.56% | +20 bps | |
| Efficiency Ratio | 234% | 263% | 264% | 253% | 295% | 307% | 306% | 380% | +12,669 bps | |
| Non-Interest Burden | 20.60% | 20.39% | 18.31% | 20.15% | 25.60% | 26.56% | 28.01% | 39.97% | +1,982 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -16.77% | -18.85% | -27.77% | -14.06% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | 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 | 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 | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| 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 | 132.63% | 289% | 260% | 328% | 322% | 262% | 234% | 168.38% | -15,918 bps | |
| Equity / Assets | 86.05% | 83.97% | 78.12% | 91.15% | 91.65% | 90.91% | 92.81% | 81.71% | -945 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 79.06% | 75.73% | 74.55% | 78.20% | 1.99% | 2.08% | 0.04% | 0.00% | -7,820 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |