Cheshire, CT · Cert 57138
FDIC
Q1 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.59% | -0.80% | -0.47% | -0.61% | -0.43% | -0.95% | -0.96% | -1.13% | -52 bps | |
| Return on Equity | -5.75% | -8.24% | -4.93% | -6.77% | -5.12% | -12.39% | -13.19% | -16.05% | -928 bps | |
| Net Interest Margin | 3.00% | 2.95% | 2.99% | 2.85% | 2.95% | 2.94% | 2.94% | 2.36% | -49 bps | |
| Efficiency Ratio | 120.42% | 135.59% | 135.14% | 130.91% | 117.36% | 109.28% | 118.59% | 170.90% | +3,999 bps | |
| Non-Interest Burden | 3.64% | 4.06% | 4.08% | 3.78% | 3.50% | 3.23% | 3.53% | 4.20% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.51% | 8.77% | 17.67% | 17.57% | 13.78% | 24.91% | 15.97% | 14.56% | -301 bps | |
| Loan Growth (YoY) | 16.16% | 20.27% | 30.00% | 27.05% | 26.05% | 23.28% | 10.00% | -0.88% | -2,793 bps | |
| Deposit Growth (YoY) | 36.97% | 12.17% | 17.90% | 15.77% | 15.13% | 29.70% | 25.12% | 25.43% | +967 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 | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.62% | 2.21% | -0.01% | -1 bps | |
| Allowance / Loans | 1.17% | 1.16% | 1.14% | 1.11% | 1.05% | 1.23% | 1.08% | 1.15% | +4 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 | 11.26% | 10.83% | 10.54% | 10.13% | 9.46% | 8.95% | 8.47% | 8.51% | -162 bps | |
| Equity / Assets | 9.61% | 9.74% | 9.32% | 8.74% | 8.02% | 7.29% | 7.32% | 6.80% | -194 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.90% | 100.26% | 104.48% | 104.10% | 100.61% | 95.30% | 91.85% | 82.26% | -2,184 bps | |
| Liquid Assets / Assets | 0.13% | 0.15% | 0.21% | 0.15% | 0.16% | 0.14% | 0.01% | 0.01% | -14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |