Waterbury, CT · Charter 437
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 0.84% | 0.95% | 1.33% | 1.53% | 1.65% | 1.60% | 1.50% | +17 bps | |
| Return on Equity | 6.17% | 4.77% | 5.50% | 7.54% | 8.19% | 8.61% | 8.61% | 7.86% | +32 bps | |
| Net Interest Margin | 3.99% | 3.71% | 3.96% | 4.14% | 4.39% | 4.43% | 4.44% | 4.59% | +45 bps | |
| Efficiency Ratio | 79.39% | 83.30% | 80.54% | 77.87% | 73.84% | 72.11% | 70.90% | 74.39% | -348 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.53% | -2.23% | -0.68% | -0.80% | 1.92% | 0.25% | 2.12% | 1.37% | +217 bps | |
| Loan Growth (YoY) | 0.74% | 3.08% | 2.66% | 2.65% | 1.20% | 1.41% | -0.22% | -0.24% | -289 bps | |
| Share Growth (YoY) | -6.83% | -4.01% | -1.97% | -2.12% | 0.77% | -1.61% | 0.22% | -0.66% | +146 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 0.89% | 0.84% | 1.15% | 0.52% | 0.77% | 0.46% | 0.78% | -36 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 | 0.72% | 0.50% | 0.46% | 0.40% | 0.48% | 0.43% | 0.35% | 0.41% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.81% | 17.53% | 17.19% | 17.58% | 18.64% | 19.13% | 18.57% | 19.01% | +144 bps | |
| Net Worth / Assets | 17.81% | 17.53% | 17.19% | 17.58% | 18.64% | 19.13% | 18.57% | 19.01% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.61% | 39.27% | 36.66% | 37.18% | 39.78% | 40.47% | 36.51% | 37.33% | +15 bps | |
| Liquid Assets / Assets | 42.12% | 43.36% | 45.91% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |