Hartford, CT · Cert 57758
FDIC
Q3 2005
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.18% | -0.96% | -2.78% | -1.67% | -2.49% | -130 bps | |
| Return on Equity | -1.85% | -1.39% | -2.79% | -1.68% | -2.49% | -64 bps | |
| Net Interest Margin | 0.08% | 0.06% | 0.37% | 0.19% | 0.26% | +18 bps | |
| Efficiency Ratio | 2400% | 2400% | 1250% | 1500% | 1350% | -105,000 bps | |
| Non-Interest Burden | 1.80% | 1.39% | 4.69% | 2.83% | 3.46% | +165 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | -11.95% | -29.99% | -39.17% | -52.64% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 241% | 513% | 497% | 495% | 500% | +25,866 bps | |
| Equity / Assets | 48.26% | 99.40% | 100.00% | 100.00% | 100.00% | +5,174 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |