Hartford, CT · Cert 57690
FDIC
Q1 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | -0.20% | 0.28% | 1.18% | 0.17% | -2.82% | -0.55% | -2.06% | -324 bps | |
| Return on Equity | 4.19% | -2.16% | 3.02% | 12.80% | 1.81% | -32.22% | -6.64% | -25.35% | -3,814 bps | |
| Net Interest Margin | 3.63% | 3.82% | 3.56% | 3.68% | 3.61% | 3.51% | 3.40% | 3.42% | -26 bps | |
| Efficiency Ratio | 86.40% | 83.68% | 87.98% | 93.52% | 93.60% | 90.79% | 108.64% | 103.80% | +1,027 bps | |
| Non-Interest Burden | 3.10% | 3.15% | 3.10% | 3.42% | 3.36% | 3.15% | 3.72% | 3.57% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.71% | 14.28% | 5.37% | 2.61% | 5.89% | 3.57% | 2.29% | 1.67% | -95 bps | |
| Loan Growth (YoY) | 11.54% | 14.02% | 11.62% | 7.85% | 6.52% | 1.19% | 1.46% | -3.06% | -1,091 bps | |
| Deposit Growth (YoY) | 13.15% | 17.42% | 6.49% | 2.34% | 7.00% | 4.50% | 2.91% | 2.14% | -20 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 | 0.07% | 0.49% | 0.00% | 0.27% | 0.16% | 1.27% | 2.06% | 3.20% | +293 bps | |
| Allowance / Loans | 1.40% | 1.48% | 1.51% | 1.53% | 1.53% | 2.38% | 1.87% | 1.80% | +28 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 | 12.77% | 12.28% | 12.28% | 12.75% | 12.70% | 11.62% | 11.14% | 11.00% | -174 bps | |
| Equity / Assets | 9.42% | 9.14% | 9.07% | 9.33% | 9.14% | 8.38% | 8.33% | 7.93% | -140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.23% | 102.73% | 104.82% | 104.09% | 99.78% | 99.48% | 103.35% | 98.79% | -530 bps | |
| Liquid Assets / Assets | 0.03% | 0.03% | 1.85% | 3.72% | 5.13% | 2.74% | 0.51% | 5.02% | +130 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |