Danbury, CT · Charter 60053
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Danbury, CT · Charter 60053
Q2 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.83% | 1.71% | 1.65% | 1.12% | -0.48% | 0.03% | 0.12% | -8.63% | -976 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 0.64% | -68.24% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.82% | 5.69% | 6.03% | 4.87% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 99.92% | 99.46% | 98.09% | 249% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.16% | -13.12% | -12.59% | -10.28% | -12.18% | -11.28% | -9.25% | -1.17% | +911 bps | |
| Loan Growth (YoY) | 19.76% | -5.07% | -24.87% | -32.20% | -32.83% | -36.39% | -30.72% | -27.82% | +439 bps | |
| Share Growth (YoY) | -18.83% | -15.45% | -15.01% | -12.11% | -14.03% | -12.98% | -10.74% | 4.19% | +1,630 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.35% | 0.77% | 0.00% | 2.76% | 4.14% | 5.20% | 5.01% | 0.00% | -276 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.54% | 3.25% | 1.93% | 2.40% | 2.29% | 2.89% | 3.08% | 0.00% | -240 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 19.17% | 12.65% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 19.17% | 12.65% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.67% | 56.02% | 52.82% | 45.39% | 50.53% | 40.95% | 41.00% | 31.45% | -1,394 bps | |
| Liquid Assets / Assets | 37.20% | 1.55% | 28.69% | 26.06% | 47.38% | 56.84% | 28.30% | 70.22% | +4,416 bps | |