East Norwalk, CT · Charter 60168
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
East Norwalk, CT · Charter 60168
Q4 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.03% | -1.06% | -1.93% | -2.28% | -0.48% | -0.76% | -1.57% | -1.40% | +89 bps | |
| Return on Equity | -0.43% | -15.05% | -28.77% | -40.82% | -9.17% | -14.88% | -33.52% | -30.84% | +997 bps | |
| Net Interest Margin | 3.15% | 3.28% | 3.68% | 3.38% | 3.56% | 2.80% | 2.81% | 2.63% | -75 bps | |
| Efficiency Ratio | 100.81% | 112.47% | 108.64% | 128.13% | 111.35% | 121.48% | 143.00% | 137.77% | +964 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.90% | 0.69% | -10.05% | -5.70% | -5.04% | -2.09% | -1.18% | -6.03% | -33 bps | |
| Loan Growth (YoY) | -3.04% | -10.64% | -13.00% | -14.78% | -12.97% | -14.41% | -17.46% | -21.14% | -636 bps | |
| Share Growth (YoY) | 9.23% | 4.07% | -6.63% | 0.33% | -2.04% | 4.13% | -0.20% | -8.18% | -851 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.25% | 1.87% | 2.00% | 1.69% | 1.74% | 2.73% | 3.14% | 4.19% | +249 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 | 1.78% | 1.06% | 2.86% | 2.62% | 2.75% | 2.73% | 2.99% | 2.78% | +15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.23% | 7.06% | 6.71% | 5.59% | 5.26% | 5.10% | 4.69% | 4.52% | -107 bps | |
| Net Worth / Assets | 7.23% | 7.06% | 6.71% | 5.59% | 5.26% | 5.10% | 4.69% | 4.52% | -107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.72% | 47.06% | 48.51% | 42.97% | 40.62% | 38.68% | 40.12% | 36.90% | -607 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |