Plainfield, CT · Charter 60243
Q4 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.52% | 2.65% | 2.29% | 2.57% | 2.82% | 2.80% | 2.27% | -0.08% | -265 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 | 5.00% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 104.63% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.51% | -1.97% | 3.36% | 1.82% | 6.39% | 7.72% | -1.32% | -5.27% | -709 bps | |
| Loan Growth (YoY) | -4.43% | -9.73% | -10.03% | -12.77% | -9.68% | -18.02% | -24.41% | -16.58% | -381 bps | |
| Share Growth (YoY) | -5.80% | -2.20% | 3.55% | 1.95% | 6.57% | 7.75% | -1.78% | -5.94% | -789 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.85% | 2.49% | 1.74% | 0.71% | 0.10% | 0.26% | 0.33% | 1.59% | +87 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 | 3.77% | 3.42% | 3.58% | 3.24% | 3.53% | 3.87% | 4.13% | 3.58% | +34 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 | 61.18% | 64.23% | 58.65% | 60.02% | 51.84% | 48.86% | 45.14% | 53.23% | -679 bps | |
| Liquid Assets / Assets | 38.48% | 36.84% | 40.88% | 41.24% | 49.41% | 52.30% | 54.12% | 48.81% | +757 bps | |