Hartford, CT · Charter 5133
Q2 2001
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.42% | 2.13% | 3.02% | 2.09% | -0.04% | 0.05% | 0.11% | -2.74% | -483 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 1.05% | -24.35% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.57% | 4.76% | 4.91% | 5.09% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 92.64% | 73.81% | 71.59% | 109.40% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.37% | 3.35% | 10.78% | 13.83% | 11.81% | 9.81% | 8.62% | -14.05% | -2,788 bps | |
| Loan Growth (YoY) | 36.78% | 99.97% | 115.39% | 13.71% | -1.85% | -27.12% | -38.08% | -38.07% | -5,178 bps | |
| Share Growth (YoY) | -0.83% | 2.97% | 11.95% | 14.88% | 12.00% | 9.51% | 8.89% | -14.25% | -2,913 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.00% | 1.38% | 5.36% | 6.10% | 5.61% | 4.73% | 4.03% | -133 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 | 2.53% | 3.66% | 3.75% | 4.45% | 3.76% | 5.53% | 3.95% | 10.55% | +611 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 10.67% | 11.25% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 10.67% | 11.25% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.84% | 79.49% | 78.84% | 63.15% | 58.57% | 52.90% | 44.83% | 45.60% | -1,754 bps | |
| Liquid Assets / Assets | 22.74% | 20.99% | 25.82% | 30.75% | 17.72% | 44.60% | 58.57% | 60.77% | +3,002 bps | |