Norwalk, CT · Charter 60964
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 | 2.80% | 2.70% | 2.98% | 2.44% | 2.50% | 1.80% | -0.49% | 0.16% | -228 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 | 3.49% | 4.34% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 109.45% | 88.87% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.41% | -22.93% | -24.01% | -20.46% | -18.19% | -10.79% | -5.11% | -16.23% | +423 bps | |
| Loan Growth (YoY) | 19.31% | 19.89% | 6.32% | -4.05% | -15.24% | -32.04% | -23.63% | -7.10% | -306 bps | |
| Share Growth (YoY) | -22.76% | -24.75% | -26.01% | -22.32% | -20.04% | -11.62% | -4.90% | -17.09% | +523 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.79% | 3.80% | 6.03% | 4.01% | 4.11% | 4.30% | 4.35% | 6.01% | +200 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 | 0.99% | 0.94% | 0.96% | 1.14% | 1.34% | 0.38% | 0.64% | 0.91% | -23 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 | 47.44% | 51.32% | 60.98% | 51.01% | 50.29% | 39.46% | 48.97% | 57.15% | +614 bps | |
| Liquid Assets / Assets | 51.50% | 47.99% | 31.60% | 38.82% | 52.82% | 59.85% | 51.96% | 43.30% | +447 bps | |