New London, CT · Charter 5200
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
New London, CT · Charter 5200
Q4 2002
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.77% | 0.64% | 0.93% | 0.93% | 1.14% | 1.20% | 1.10% | +17 bps | |
| Return on Equity | n/a | n/a | 3.39% | 4.89% | 4.72% | 6.07% | 6.08% | 5.56% | +67 bps | |
| Net Interest Margin | 4.56% | 4.53% | 4.53% | 4.60% | 4.64% | 4.28% | 4.39% | 4.36% | -24 bps | |
| Efficiency Ratio | 77.82% | 77.48% | 79.29% | 79.44% | 80.71% | 71.88% | 72.88% | 75.45% | -399 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.56% | 2.25% | 3.75% | 2.52% | 4.18% | 9.36% | 4.76% | 4.22% | +170 bps | |
| Loan Growth (YoY) | -0.70% | 1.09% | -0.18% | 3.36% | 8.04% | 11.85% | 11.16% | 9.63% | +628 bps | |
| Share Growth (YoY) | 1.71% | 0.58% | 2.64% | -0.81% | 2.82% | 8.84% | 3.31% | 5.51% | +632 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 1.11% | 0.50% | 0.30% | 0.33% | 0.09% | 0.04% | 0.05% | -25 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 | 0.93% | 1.19% | 1.16% | 1.22% | 0.96% | 0.87% | 0.86% | 0.87% | -35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 18.82% | 19.09% | 19.58% | 18.77% | 19.75% | 19.86% | +77 bps | |
| Net Worth / Assets | n/a | n/a | 18.82% | 19.09% | 19.58% | 18.77% | 19.75% | 19.86% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.56% | 56.06% | 56.85% | 57.82% | 60.48% | 57.61% | 61.17% | 60.08% | +226 bps | |
| Liquid Assets / Assets | 12.12% | 14.85% | 21.51% | 18.09% | 28.54% | 34.03% | 32.66% | 31.91% | +1,383 bps | |