Bridgeport, CT · Cert 57041
FDIC
Q2 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.56% | -1.57% | -1.62% | -8.22% | -6.43% | -5.65% | -4.64% | -9.64% | -142 bps | |
| Return on Equity | -16.41% | -16.44% | -16.53% | -93.07% | -77.63% | -72.34% | -88.16% | -269% | -17,571 bps | |
| Net Interest Margin | 3.39% | 3.47% | 3.81% | 3.99% | 3.90% | 3.87% | 3.56% | 3.62% | -37 bps | |
| Efficiency Ratio | 174.34% | 179.08% | 168.82% | 160.69% | 161.48% | 166.06% | 222% | 279% | +11,840 bps | |
| Non-Interest Burden | 6.02% | 6.39% | 6.45% | 6.48% | 6.47% | 6.61% | 8.25% | 9.08% | +260 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 | 0.25% | 0.15% | -0.45% | 0.20% | 0.10% | 0.07% | 0.64% | 0.33% | +13 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 |