Bridgeport, CT · Cert 57041
FDIC
Q2 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.91% | -1.58% | -1.62% | -15.28% | -2.53% | -3.15% | -4.64% | -14.92% | +37 bps | |
| Return on Equity | -20.10% | -16.41% | -16.53% | -183.38% | -38.59% | -51.83% | -88.16% | -616% | -43,279 bps | |
| Net Interest Margin | 3.24% | 3.32% | 3.81% | 3.82% | 3.45% | 3.48% | 3.56% | 3.52% | -29 bps | |
| Efficiency Ratio | 190.69% | 193.06% | 168.82% | 152.16% | 163.13% | 181.98% | 222% | 388% | +23,543 bps | |
| Non-Interest Burden | 6.38% | 6.80% | 6.45% | 5.90% | 6.03% | 6.51% | 8.25% | 9.56% | +366 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.61% | -9.61% | -16.63% | -16.68% | -21.22% | -18.02% | -15.85% | -18.23% | -155 bps | |
| Loan Growth (YoY) | -16.82% | -17.38% | -18.49% | -22.56% | -20.73% | -16.61% | -12.05% | -13.00% | +956 bps | |
| Deposit Growth (YoY) | 11.49% | -4.49% | -13.65% | -10.40% | -14.75% | -9.79% | -6.06% | -6.83% | +357 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.81% | -0.20% | -0.45% | 0.87% | -0.10% | -0.02% | 0.64% | -0.03% | -90 bps | |
| Allowance / Loans | 1.68% | 1.42% | 1.64% | 1.53% | 1.61% | 1.63% | 1.50% | 1.63% | +10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.83% | 10.32% | 10.03% | 9.52% | 8.77% | 7.52% | 5.68% | 3.14% | -638 bps | |
| Equity / Assets | 9.52% | 9.74% | 9.93% | 6.67% | 6.42% | 5.72% | 4.79% | -0.12% | -679 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.13% | 67.67% | 67.74% | 63.00% | 63.35% | 62.56% | 63.42% | 58.83% | -417 bps | |
| Liquid Assets / Assets | 11.54% | 6.55% | 5.57% | 6.49% | 10.31% | 6.02% | 7.18% | 6.52% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |