Westport, CT · Cert 34859
FDIC
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.03% | -1.82% | -0.42% | 0.52% | 0.44% | -0.36% | -0.16% | 0.06%1 | -46 bps | |
| Return on Equity | -0.37% | -21.14% | -4.36% | 4.94% | 4.28% | -3.58% | -1.72% | 0.67% | -427 bps | |
| Net Interest Margin | 4.49% | 4.74% | 4.32% | 3.97% | 3.97% | 3.85% | 3.84% | 3.79% | -18 bps | |
| Efficiency Ratio | 98.89% | 109.34% | 92.90% | 80.91% | 83.70% | 100.45% | 96.93% | 98.69% | +1,778 bps | |
| Non-Interest Burden | 4.43% | 5.21% | 3.99% | 3.16% | 3.27% | 3.87% | 3.72% | 3.74% | +58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.70% | 31.54% | 36.35% | 45.24% | 37.10% | 32.31% | 18.82% | 27.90% | -1,734 bps | |
| Loan Growth (YoY) | 28.92% | 29.32% | 21.67% | 25.43% | 17.14% | 14.01% | 23.21% | 13.04% | -1,239 bps | |
| Deposit Growth (YoY) | 26.58% | 31.97% | 34.63% | 41.93% | 33.05% | 32.34% | 19.52% | 31.75% | -1,017 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% | 0.03% | 2.35% | 0.00% | 0.00% | 0.04% | 0.49% | -0.03% | -3 bps | |
| Allowance / Loans | 1.07% | 1.42% | 1.01% | 1.04% | 1.15% | 1.20% | 1.04% | 1.15% | +11 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 | 14.39% | 12.70% | 17.64% | 16.22% | 16.82% | 16.18% | 14.66% | 14.45% | -178 bps | |
| Equity / Assets | 9.08% | 8.14% | 10.78% | 10.31% | 10.17% | 9.71% | 9.05% | 8.10% | -221 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.34% | 88.05% | 77.32% | 77.37% | 75.13% | 75.85% | 79.70% | 66.38% | -1,099 bps | |
| Liquid Assets / Assets | 0.31% | 0.29% | 0.24% | 0.22% | 0.20% | 0.19% | 0.17% | 0.14% | -8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |