Fairfield, CT · Cert 58880
FDIC
Q2 2013
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.05% | 0.13% | 0.22% | 0.18% | 0.37% | 0.37% | 0.51% | 0.69% | +51 bps | |
| Return on Equity | -0.43% | 1.16% | 1.99% | 1.66% | 3.66% | 3.81% | 5.95% | 8.15% | +649 bps | |
| Net Interest Margin | 3.93% | 3.83% | 4.34% | 3.96% | 3.52% | 3.36% | 4.11% | 3.85% | -11 bps | |
| Efficiency Ratio | 96.39% | 92.37% | 86.85% | 86.84% | 84.49% | 82.50% | 75.00% | 68.69% | -1,815 bps | |
| Non-Interest Burden | 3.77% | 3.52% | 3.76% | 3.43% | 2.97% | 2.76% | 3.07% | 2.45% | -99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 48.00% | 34.29% | 26.80% | 23.66% | 37.62% | 38.01% | 28.46% | 32.62% | +896 bps | |
| Loan Growth (YoY) | 51.04% | 35.27% | 37.37% | 40.67% | 37.57% | 39.60% | 33.87% | 29.32% | -1,135 bps | |
| Deposit Growth (YoY) | 39.61% | 40.20% | 28.72% | 26.22% | 46.41% | 46.54% | 31.49% | 38.50% | +1,227 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.59% | 1.64% | 1.57% | 1.55% | 1.47% | 1.42% | 1.40% | 1.46% | -9 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 | 15.99% | 14.91% | 14.37% | 13.59% | 12.80% | 12.05% | 11.99% | 11.56% | -203 bps | |
| Equity / Assets | 11.42% | 11.16% | 10.81% | 10.11% | 8.68% | 8.44% | 8.86% | 8.13% | -198 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.20% | 113.32% | 110.79% | 108.81% | 98.85% | 107.96% | 112.79% | 101.60% | -721 bps | |
| Liquid Assets / Assets | 5.15% | 1.91% | 1.88% | 2.59% | 9.76% | 6.25% | 0.86% | 6.64% | +405 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |