Bridgeport, CT · Cert 57858
FDIC
Q2 2007
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.57% | 1.73% | 1.31% | 0.55% | 1.44% | -13 bps | |
| Return on Equity | 1.96% | 2.19% | 1.67% | 0.73% | 1.91% | -5 bps | |
| Net Interest Margin | 0.59% | 0.66% | 0.73% | 0.96% | 0.96% | +37 bps | |
| Efficiency Ratio | 81.82% | 81.18% | 82.53% | 86.67% | 83.68% | +186 bps | |
| Non-Interest Burden | -1.83% | -1.96% | -1.38% | 0.13% | -1.35% | +48 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 21.43% | 18.09% | 22.44% | 3.23% | 0.75% | -2,069 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 2795% | 622% | 1910% | 2.82% | 3.29% | -279,201 bps | |
| 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 | 50.64% | 58.13% | 64.97% | 72.14% | 81.94% | +3,131 bps | |
| Equity / Assets | 74.66% | 75.48% | 75.59% | 75.87% | 75.44% | +77 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 0.02% | 0.03% | 0.02% | 0.02% | 0.02% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |