Wethersfield, CT · Cert 57475
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.07% | 0.02% | 0.04%1 | -0.48% | 0.24% | 0.07% | 0.08% | +4 bps | |
| Return on Equity | 2.93% | 0.85% | 0.31% | 0.53% | -6.13% | 3.08% | 0.85% | 0.90% | +37 bps | |
| Net Interest Margin | 3.17% | 3.05% | 3.13% | 3.42% | 3.64% | 3.72% | 3.44% | 3.73% | +31 bps | |
| Efficiency Ratio | 77.88% | 79.50% | 83.54% | 72.92% | 63.00% | 71.41% | 77.27% | 80.74% | +783 bps | |
| Non-Interest Burden | 2.44% | 2.39% | 2.57% | 2.41% | 2.19% | 2.59% | 2.61% | 2.97% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.64% | 18.15% | 20.28% | 10.25% | -0.53% | -6.78% | -9.97% | -9.95% | -2,020 bps | |
| Loan Growth (YoY) | 15.62% | 11.98% | 11.65% | 8.76% | 1.01% | -0.63% | -2.53% | -5.62% | -1,438 bps | |
| Deposit Growth (YoY) | 10.12% | 15.87% | 23.20% | 13.07% | -0.92% | -5.15% | -8.29% | -9.36% | -2,243 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 | 0.05% | 0.06% | 1.41% | 0.58% | 4.70% | 0.19% | 1.46% | 1.55% | +97 bps | |
| Allowance / Loans | 1.57% | 1.72% | 1.55% | 1.91% | 1.73% | 1.94% | 1.84% | 1.70% | -21 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 | 11.28% | 10.99% | 10.73% | 11.00% | 11.06% | 11.14% | 11.47% | 11.79% | +79 bps | |
| Equity / Assets | 8.02% | 7.60% | 7.36% | 7.76% | 7.89% | 7.98% | 8.11% | 8.54% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.41% | 93.53% | 90.01% | 95.42% | 101.35% | 97.99% | 95.66% | 99.35% | +394 bps | |
| Liquid Assets / Assets | 1.06% | 1.42% | 1.72% | 1.78% | 0.91% | 0.35% | 0.35% | 1.18% | -60 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |