Fairfield, CT · Charter 61327
Q4 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.33% | -2.02% | -2.08% | -2.18% | -2.54% | -2.43% | -2.67% | -2.35% | -17 bps | |
| Return on Equity | -10.47% | -9.80% | -12.00% | -12.25% | -15.02% | -14.69% | -16.31% | -12.07% | +18 bps | |
| Net Interest Margin | 1.38% | 1.38% | 1.19% | 1.27% | 0.91% | 0.90% | 0.73% | 1.07% | -20 bps | |
| Efficiency Ratio | 268% | 246% | 274% | 272% | 380% | 370% | 465% | 320% | +4,740 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.30% | -5.38% | 5.67% | 22.74% | 12.19% | 4.71% | -11.23% | -18.31% | -4,105 bps | |
| Loan Growth (YoY) | -42.21% | -35.97% | -32.95% | -49.54% | -90.65% | -96.67% | -100.00% | -100.00% | -5,046 bps | |
| Share Growth (YoY) | -3.33% | -4.50% | 9.67% | 35.24% | 19.95% | 10.12% | -10.15% | -19.89% | -5,514 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| 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 | 0.76% | 0.92% | 1.20% | 2.11% | 8.14% | 27.76% | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 22.27% | 20.56% | 17.35% | 17.82% | 16.90% | 16.52% | 16.35% | 19.46% | +164 bps | |
| Net Worth / Assets | 22.27% | 20.56% | 17.35% | 17.82% | 16.90% | 16.52% | 16.35% | 19.46% | +164 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 10.69% | 8.14% | 5.30% | 3.31% | 0.83% | 0.25% | 0.00% | 0.00% | -331 bps | |
| Liquid Assets / Assets | 89.17% | 91.26% | 93.73% | 95.90% | 97.95% | 98.42% | 98.39% | 97.60% | +169 bps | |