West Haven, CT · Charter 37
Q1 2010
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 1.22% | 0.95% | -1.65% | -0.95% | -2.16% | -1.47% | -30.20% | -2,855 bps | |
| Return on Equity | 3.85% | 6.09% | 4.43% | -7.86% | -4.12% | -9.71% | -6.35% | -148.34% | -14,048 bps | |
| Net Interest Margin | 3.20% | 3.35% | 3.12% | 1.34% | 1.35% | 1.45% | 1.37% | 1.25% | -8 bps | |
| Efficiency Ratio | 76.31% | 63.64% | 69.49% | 223% | 170.68% | 249% | 207% | 479% | +25,540 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.78% | -5.19% | -8.06% | -8.78% | -14.33% | -16.33% | -15.49% | -29.99% | -2,121 bps | |
| Loan Growth (YoY) | 13.21% | -21.45% | -7.67% | -8.10% | -9.33% | -2.42% | -33.68% | -45.37% | -3,727 bps | |
| Share Growth (YoY) | -7.10% | -7.54% | -11.00% | -11.37% | -17.99% | -18.69% | -17.32% | -29.44% | -1,807 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 41.72% | 44.28% | 28.94% | 44.46% | 42.95% | 38.56% | 30.89% | 0.00% | -4,446 bps | |
| 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 | 18.46% | 21.00% | 11.37% | 13.13% | 15.43% | 17.48% | 2.21% | 52.84% | +3,971 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.73% | 20.04% | 21.45% | 20.99% | 23.16% | 22.29% | 23.15% | 20.36% | -63 bps | |
| Net Worth / Assets | 19.73% | 20.04% | 21.45% | 20.99% | 23.16% | 22.29% | 23.15% | 20.36% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 19.24% | 17.49% | 21.44% | 20.11% | 21.27% | 20.98% | 17.20% | 15.57% | -454 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |