Hamden, CT · Cert 58785
FDIC · 1 branch
Q3 2014
Market Position · New Haven-Milford, CT · 2014 SOD (annual) · 0.4% share · #19 of 26 inst. · $0.1B of $22.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.20% | -0.17% | 0.27% | -1.40% | -210 bps | |
| Return on Equity | 6.83% | 1.96% | -1.69% | 2.86% | -15.70% | -2,253 bps | |
| Net Interest Margin | 4.21% | 4.12% | 4.25% | 4.00% | 3.95% | -26 bps | |
| Efficiency Ratio | 74.71% | 83.97% | 99.21% | 88.79% | 154.11% | +7,940 bps | |
| Non-Interest Burden | 3.07% | 3.42% | 4.21% | 3.50% | 6.23% | +316 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.05% | 10.20% | 10.39% | 14.59% | 16.88% | +583 bps | |
| Loan Growth (YoY) | 8.70% | 9.33% | 11.70% | 15.09% | 26.55% | +1,785 bps | |
| Deposit Growth (YoY) | 10.86% | 8.76% | 4.81% | 9.97% | 11.85% | +99 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | 0.19% | 0.33% | 0.11% | +11 bps | |
| Allowance / Loans | 1.23% | 1.20% | 1.17% | 1.11% | 1.01% | -22 bps | |
| 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 | 14.78% | 13.81% | 13.02% | 12.90% | 11.03% | -375 bps | |
| Equity / Assets | 10.31% | 10.53% | 9.86% | 9.20% | 8.61% | -170 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.23% | 95.34% | 98.25% | 91.70% | 97.57% | +1,133 bps | |
| Liquid Assets / Assets | 7.87% | 0.51% | 2.45% | 7.66% | 3.41% | -446 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |