Bridgeport, CT · Cert 57858
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.90% | 1.98% | 0.10% | 0.55% | 2.33% | +43 bps | |
| Return on Equity | 2.51% | 2.64% | 0.13% | 0.73% | 3.09% | +57 bps | |
| Net Interest Margin | 0.65% | 0.83% | 0.88% | 0.96% | 0.97% | +32 bps | |
| Efficiency Ratio | 81.29% | 79.91% | 87.10% | 86.67% | 81.19% | -10 bps | |
| Non-Interest Burden | -2.45% | -2.30% | 0.50% | 0.13% | -2.83% | -38 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 |