Bloomfield, CT · Charter 60938
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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.
Bloomfield, CT · Charter 60938
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.55% | -2.38% | -0.68% | -31.23% | -8.75% | -11.39% | -1.89% | -51.58% | -2,035 bps | |
| Return on Equity | -7.79% | -4.11% | -1.16% | -66.30% | -17.46% | -23.76% | -3.54% | -154.67% | -8,838 bps | |
| Net Interest Margin | 4.04% | 4.62% | 7.26% | 10.98% | 1.49% | 7.28% | 11.69% | 16.19% | +522 bps | |
| Efficiency Ratio | 213% | 151.48% | 109.31% | 98.90% | 300% | 134.14% | 104.61% | 128.32% | +2,942 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.31% | -3.70% | -2.09% | -28.04% | -31.56% | -33.69% | -35.35% | -44.53% | -1,649 bps | |
| Loan Growth (YoY) | 5.44% | 11.65% | 6.74% | -7.22% | -38.57% | -40.52% | -42.29% | -48.45% | -4,123 bps | |
| Share Growth (YoY) | -14.24% | -9.44% | -5.01% | -13.19% | -18.48% | -18.51% | -26.22% | -26.86% | -1,368 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 34.59% | 33.58% | 57.56% | 45.82% | 25.46% | 22.78% | 20.23% | 21.56% | -2,427 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 | 5.36% | 5.21% | 4.73% | 32.15% | 7.82% | 15.47% | 15.36% | 59.91% | +2,775 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 58.38% | 57.94% | 58.34% | 47.11% | 50.10% | 47.93% | 53.33% | 33.35% | -1,376 bps | |
| Net Worth / Assets | 58.38% | 57.94% | 58.34% | 47.11% | 50.10% | 47.93% | 53.33% | 33.35% | -1,376 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 230% | 233% | 243% | 239% | 173.54% | 169.76% | 190.12% | 168.13% | -7,041 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |