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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -10.99% | -16.24% | -16.05% | -16.45% | -23.01% | -1,201 bps | |
| Return on Equity | n/a | -17.77% | -17.59% | -17.96% | -25.63% | n/a | |
| Net Interest Margin | 2.36% | 2.20% | 2.26% | 2.42% | 2.56% | +20 bps | |
| Efficiency Ratio | 253% | 295% | 307% | 306% | 380% | +12,669 bps | |
| Non-Interest Burden | 20.15% | 25.60% | 26.56% | 28.01% | 39.97% | +1,982 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 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 |
| 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 | 328% | 322% | 262% | 234% | 168.38% | -15,918 bps | |
| Equity / Assets | 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 |
| Liquid Assets / Assets | 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 |