Stratford, CT · Charter 60319
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
Stratford, CT · Charter 60319
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.39% | -0.06% | -0.47% | -0.80% | -1.02% | -1.91% | -23.90% | -2,343 bps | |
| Return on Equity | 1.80% | 1.88% | -0.31% | -2.22% | -3.58% | -4.34% | -8.15% | -199.40% | -19,717 bps | |
| Net Interest Margin | 4.39% | 4.61% | 3.71% | 3.51% | 3.60% | 3.69% | 3.14% | -16.95% | -2,046 bps | |
| Efficiency Ratio | 92.09% | 91.49% | 101.71% | 113.27% | 122.30% | 127.66% | 160.87% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.21% | -12.07% | -13.26% | -16.08% | -15.82% | -14.89% | -17.48% | -15.20% | +89 bps | |
| Loan Growth (YoY) | -14.96% | -15.81% | -39.10% | -30.89% | -30.23% | -27.56% | -11.49% | -13.77% | +1,712 bps | |
| Share Growth (YoY) | 6.58% | -15.51% | -16.46% | -19.33% | -19.01% | -17.62% | -20.37% | -5.59% | +1,374 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.28% | 3.14% | 3.15% | 3.35% | 3.74% | 2.80% | 3.19% | 2.28% | -106 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 | 1.43% | 1.59% | 2.01% | 1.82% | 1.90% | 1.88% | 1.94% | 0.50% | -132 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.28% | 20.89% | 20.56% | 20.94% | 22.42% | 23.53% | 23.42% | 11.98% | -896 bps | |
| Net Worth / Assets | 19.28% | 20.89% | 20.56% | 20.94% | 22.42% | 23.53% | 23.42% | 11.98% | -896 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.70% | 63.98% | 49.78% | 48.38% | 51.43% | 56.26% | 55.33% | 44.18% | -419 bps | |
| Liquid Assets / Assets | 50.57% | 47.91% | 55.53% | 60.37% | 58.84% | 55.71% | 57.61% | 59.34% | -102 bps | |