Bridgeport, CT · Charter 60828
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 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.
Bridgeport, CT · Charter 60828
Q1 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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.74% | 1.99% | -0.71% | -0.54% | -1.21% | -1.60% | -1.33% | -0.94% | -40 bps | |
| Return on Equity | -14.78% | 7.82% | -2.86% | -2.22% | -5.02% | -6.66% | -5.50% | -4.12% | -190 bps | |
| Net Interest Margin | 4.42% | 3.05% | 3.17% | 3.03% | 2.93% | 2.97% | 2.96% | 2.69% | -34 bps | |
| Efficiency Ratio | 212% | 139.02% | 156.38% | 133.99% | 149.44% | 157.79% | 149.11% | 134.61% | +62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.30% | -7.04% | -11.53% | -4.87% | -1.53% | -4.73% | -4.28% | 0.66% | +554 bps | |
| Loan Growth (YoY) | -20.23% | -16.10% | -11.91% | -17.31% | -5.42% | -6.39% | -13.38% | -8.49% | +882 bps | |
| Share Growth (YoY) | -7.79% | -5.78% | -10.01% | -2.44% | 0.01% | -2.95% | -3.32% | 3.06% | +550 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.43% | 11.30% | 12.83% | 8.42% | 7.77% | 7.32% | 6.31% | 9.61% | +119 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 | 4.22% | 4.18% | 4.12% | 2.67% | 2.58% | 2.76% | 1.84% | 1.94% | -73 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.33% | 25.47% | 24.92% | 24.20% | 24.11% | 23.99% | 24.22% | 22.68% | -152 bps | |
| Net Worth / Assets | 25.33% | 25.47% | 24.92% | 24.20% | 24.11% | 23.99% | 24.22% | 22.68% | -152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.15% | 39.86% | 42.27% | 37.24% | 38.92% | 38.44% | 37.88% | 33.06% | -417 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |