Greenwich, CT · Cert 34650
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.27% | -0.27% | 0.16% | 1.51% | 6.93% | 0.72% | 1.01% | 1.17% | -33 bps | |
| Return on Equity | -2.59% | -2.62% | 1.61% | 14.59% | 61.89% | 6.56% | 9.89% | 12.17% | -242 bps | |
| Net Interest Margin | 3.92% | 3.79% | 4.35% | 4.44% | 4.71% | 4.84% | 4.79% | 4.88% | +45 bps | |
| Efficiency Ratio | 99.85% | 100.43% | 88.05% | 85.52% | 79.75% | 69.51% | 64.72% | 60.08% | -2,543 bps | |
| Non-Interest Burden | 3.91% | 3.81% | 3.79% | 3.74% | 3.66% | 3.25% | 2.97% | 2.82% | -92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 46.27% | 30.06% | 28.06% | 3.39% | 7.01% | 21.41% | 24.77% | 43.98% | +4,059 bps | |
| Loan Growth (YoY) | 61.86% | 71.47% | 52.44% | 45.11% | 40.20% | 43.92% | 33.81% | 41.02% | -409 bps | |
| Deposit Growth (YoY) | 52.10% | 36.22% | 26.98% | 5.27% | 3.63% | 12.88% | 26.07% | 42.02% | +3,675 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.40% | 0.00% | 0.00% | 0.00% | 0.00% | 0.14% | 0.00% | 0 bps | |
| Allowance / Loans | 1.03% | 0.98% | 1.08% | 1.15% | 1.14% | 1.16% | 1.09% | 1.02% | -13 bps | |
| 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 | 13.40% | 12.69% | 12.11% | 13.28% | 12.44% | 11.43% | 10.97% | 10.66% | -262 bps | |
| Equity / Assets | 10.12% | 10.33% | 9.82% | 10.87% | 11.50% | 10.65% | 9.89% | 9.42% | -145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.02% | 86.20% | 93.73% | 99.39% | 102.85% | 109.91% | 99.47% | 98.69% | -70 bps | |
| Liquid Assets / Assets | 0.15% | 0.06% | 0.04% | 0.07% | 0.03% | 0.09% | 0.03% | 0.01% | -6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |