PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Phoenix National Trust Company

Hartford, CT · Cert 34169

FDIC

Q4 2003

$9.1MAssets
n/aLoans
n/aDeposits
$7.4MEquity

Executive Summary

  • Earnings: ROA of -44.77%, down 3,569 bps year over year; NIM at 2.46%.

Return on Assets (quarter, annualized)

-44.77%-3,569 bps YoY

Net Interest Margin (quarter, annualized)

2.46%-3 bps YoY

Efficiency Ratio (quarter, annualized)

598%+37,596 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

2.16%Q1 ’022.50%Q4 ’022.46%Q4 ’03+16%-1%

Non-interest income vs. expense

32.23%Q1 ’0227.44%Q4 ’0281.02%Q4 ’03-15%+298%

Discrete quarter, annualized.

MetricQ1 2002Q2 2002Q3 2002Q4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets-8.56%-12.54%-8.23%-9.08%-16.24%-15.86%-17.19%-44.77%-3,569 bps
Return on Equityn/a-14.75%-10.17%-10.81%-17.77%-17.37%-18.72%-51.30%-4,049 bps
Net Interest Margin2.16%2.39%2.44%2.50%2.20%2.20%2.51%2.46%-3 bps
Efficiency Ratio234%291%268%222%295%321%303%598%+37,596 bps
Non-Interest Burden20.60%24.08%19.40%17.56%25.60%26.15%28.35%69.93%+5,237 bps
Growth
Asset Growth (YoY)n/an/an/an/a-16.77%-18.85%-27.77%-14.06%n/a
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 Capital132.63%289%260%328%322%262%234%168.38%-15,918 bps
Equity / Assets86.05%83.97%78.12%91.15%91.65%90.91%92.81%81.71%-945 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets79.06%75.73%74.55%78.20%1.99%2.08%0.04%0.00%-7,820 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a