North Haven, CT · Charter 60746
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.36% | 2.18% | 1.84% | 2.87% | -0.76% | 2.61% | 0.00% | 1.11% | -176 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 | 6.97% | 7.87% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 78.65% | 74.16% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.82% | -12.46% | -8.00% | 0.34% | 3.54% | -0.94% | 1.19% | -9.89% | -1,023 bps | |
| Loan Growth (YoY) | -11.21% | -12.37% | -11.67% | 19.03% | 42.28% | 10.39% | 20.99% | 1.47% | -1,756 bps | |
| Share Growth (YoY) | -16.89% | -14.01% | -8.49% | 0.26% | 7.47% | 2.06% | 4.28% | -8.68% | -894 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.29% | 3.77% | 9.26% | 10.32% | 9.38% | 3.15% | 2.03% | 5.67% | -465 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 | 2.73% | 1.48% | 2.34% | 0.37% | 5.34% | 1.06% | 2.68% | 3.37% | +300 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 | 63.59% | 68.44% | 65.66% | 77.33% | 84.19% | 74.02% | 76.19% | 85.92% | +859 bps | |
| Liquid Assets / Assets | 37.27% | 35.95% | 35.69% | 29.68% | 22.74% | 27.62% | 27.09% | 21.43% | -825 bps | |