New Haven, CT · Cert 57251
FDIC
Q1 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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.55% | -0.57% | -1.71% | -0.11% | -0.02% | 0.17% | -0.03% | -0.19% | -8 bps | |
| Return on Equity | -6.57% | -6.90% | -21.05% | -1.38% | -0.22% | 2.13% | -0.31% | -2.13% | -75 bps | |
| Net Interest Margin | 3.24% | 3.28% | 3.33% | 3.51% | 3.98% | 4.12% | 4.00% | 3.80% | +29 bps | |
| Efficiency Ratio | 91.64% | 91.37% | 92.90% | 100.50% | 93.09% | 90.38% | 92.11% | 104.52% | +401 bps | |
| Non-Interest Burden | 2.94% | 2.96% | 3.06% | 3.53% | 3.67% | 3.68% | 3.64% | 3.99% | +46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.38% | 1.13% | -4.11% | -15.27% | -19.02% | -22.31% | -16.79% | -9.45% | +582 bps | |
| Loan Growth (YoY) | -3.39% | -8.47% | -10.73% | -11.44% | -11.69% | -11.28% | -7.40% | -8.11% | +333 bps | |
| Deposit Growth (YoY) | 0.84% | 2.95% | -2.37% | -15.37% | -19.17% | -23.23% | -18.24% | -11.94% | +343 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 | 2.13% | 1.70% | 3.09% | -0.26% | 0.61% | 0.39% | 0.52% | -0.02% | +24 bps | |
| Allowance / Loans | 1.80% | 1.92% | 2.02% | 2.20% | 2.06% | 2.10% | 2.11% | 2.23% | +3 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 | 11.43% | 11.33% | 10.28% | 11.09% | 11.44% | 11.73% | 11.60% | 12.06% | +98 bps | |
| Equity / Assets | 8.27% | 8.10% | 7.42% | 8.03% | 8.47% | 8.97% | 8.89% | 8.82% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.89% | 84.05% | 85.80% | 89.91% | 92.74% | 97.14% | 97.18% | 93.82% | +391 bps | |
| Liquid Assets / Assets | 12.42% | 13.01% | 10.57% | 10.78% | 8.19% | 6.03% | 5.56% | 9.07% | -171 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |