Bristol, CT · Charter 4941
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.30% | 3.25% | 2.99% | 2.95% | 2.90% | 2.73% | 2.90% | 2.61% | -34 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 3.06% | -1.55% | 0.85% | -0.10% | -0.91% | 7.64% | 8.45% | +760 bps | |
| Loan Growth (YoY) | n/a | 23.78% | 21.33% | 11.57% | -0.03% | -1.76% | 3.79% | 11.51% | -6 bps | |
| Share Growth (YoY) | n/a | 0.60% | -2.97% | 0.19% | -0.45% | -0.95% | 7.47% | 8.86% | +867 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.36% | 2.23% | 1.76% | 1.72% | 1.10% | 1.55% | 1.56% | 1.24% | -48 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 | 1.54% | 0.97% | 1.48% | 1.05% | 0.91% | 1.04% | 0.94% | 0.94% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.00% | 80.00% | 84.48% | 78.96% | 81.34% | 79.35% | 81.59% | 80.88% | +192 bps | |
| Liquid Assets / Assets | 13.32% | 9.58% | 10.45% | 15.46% | 14.18% | 16.50% | 13.11% | 16.38% | +92 bps | |