Windsor, CT · Charter 61283
Q4 2000
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.42% | 3.38% | 2.94% | 3.22% | 0.69% | 0.07% | 1.09% | -4.92% | -814 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -18.53% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.39% | 3.41% | 3.09% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 97.79% | 68.14% | 96.02% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.37% | -13.85% | -8.27% | -1.69% | 1.78% | 2.70% | -8.00% | -18.28% | -1,659 bps | |
| Loan Growth (YoY) | -5.95% | -3.41% | -13.76% | -30.23% | -56.83% | 0.89% | 39.22% | 74.44% | +10,466 bps | |
| Share Growth (YoY) | -13.22% | -20.30% | -12.16% | -4.07% | 1.08% | 3.27% | -10.54% | -19.20% | -1,514 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.13% | 10.94% | 9.85% | 14.30% | 32.58% | 14.23% | 9.85% | 16.61% | +231 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 | 10.93% | 11.38% | 12.79% | 16.16% | 25.32% | 11.28% | 9.19% | 17.38% | +122 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 26.57% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 26.57% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.04% | 58.40% | 38.58% | 39.27% | 19.66% | 57.06% | 60.04% | 84.79% | +4,552 bps | |
| Liquid Assets / Assets | 55.84% | 48.29% | 57.07% | 67.30% | 64.12% | 51.71% | 2.74% | 46.43% | -2,087 bps | |