Hartford, CT · Charter 60595
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.36% | 4.45% | 4.30% | 3.05% | 3.26% | 3.21% | 3.64% | 2.82% | -23 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 | n/a | n/a | -30.76% | -30.57% | -9.79% | -12.19% | -17.52% | +1,325 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | -14.29% | 0.89% | -2.35% | 1.91% | -33.50% | -1,921 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -36.03% | -36.10% | -13.29% | -16.56% | -22.82% | +1,321 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.30% | 1.64% | 1.60% | 1.13% | 1.54% | 1.59% | 1.34% | 0.84% | -29 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 | 1.48% | 1.53% | 1.68% | 1.50% | 0.68% | 0.77% | 0.47% | 0.86% | -63 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 | 24.01% | 28.45% | 30.34% | 31.04% | 37.91% | 32.04% | 37.05% | 26.75% | -429 bps | |
| Liquid Assets / Assets | 2.60% | 7.10% | 21.40% | 50.91% | 3.27% | 23.58% | 6.83% | 76.36% | +2,545 bps | |