Bristol, CT · Charter 61329
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.52% | 2.61% | 2.18% | 0.18% | 0.05% | 0.12% | -0.08% | -0.71% | -89 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 1.05% | -0.78% | -7.22% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.99% | 5.07% | 5.21% | 4.59% | 4.71% | -29 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 95.68% | 97.00% | 93.39% | 91.80% | 92.13% | -356 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.71% | -5.86% | -3.05% | 5.33% | 0.24% | 2.00% | 8.88% | 5.89% | +56 bps | |
| Loan Growth (YoY) | 16.77% | 5.94% | -1.89% | 8.95% | 27.53% | 44.07% | 41.07% | 6.27% | -268 bps | |
| Share Growth (YoY) | -13.02% | -6.97% | -3.83% | 5.55% | -0.20% | 1.00% | 9.88% | 7.88% | +233 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.79% | 2.01% | 1.63% | 1.67% | 1.18% | 1.39% | 1.62% | 4.63% | +296 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 | 2.18% | 1.66% | 1.58% | 1.18% | 1.21% | 1.08% | 0.95% | 1.79% | +61 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 11.15% | 10.11% | 9.87% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 11.15% | 10.11% | 9.87% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.03% | 56.49% | 53.71% | 62.82% | 75.43% | 80.58% | 68.96% | 61.88% | -94 bps | |
| Liquid Assets / Assets | 20.46% | 20.04% | 20.80% | 16.09% | 6.65% | 11.05% | 16.21% | 18.27% | +218 bps | |