North Haven, CT · Charter 60065
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.11% | 4.58% | 3.32% | 4.26% | 3.78% | 3.99% | 3.61% | 3.28% | -98 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -14.95% | -8.83% | -9.29% | 2.65% | 2.45% | -2.81% | -3.00% | +629 bps | |
| Loan Growth (YoY) | n/a | 27.38% | 0.01% | -15.27% | -1.09% | 7.32% | -3.26% | -11.03% | +425 bps | |
| Share Growth (YoY) | n/a | -17.49% | -9.61% | -8.45% | 4.29% | 3.04% | -2.49% | -2.44% | +601 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 2.06% | 2.15% | 1.91% | 1.16% | 0.00% | 0.00% | -215 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 | 13.73% | 13.64% | 15.38% | 13.45% | 13.68% | 0.50% | 0.81% | 1.27% | -1,218 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.88% | 25.03% | 23.14% | 21.63% | 21.70% | 26.08% | 22.96% | 19.73% | -190 bps | |
| Liquid Assets / Assets | 79.49% | 79.76% | 81.57% | 81.35% | 82.37% | 75.05% | 78.57% | 65.90% | -1,545 bps | |