Willimantic, CT · Charter 61361
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.12% | -1.05% | -1.24% | -1.16% | -1.14% | -1.74% | -2.07% | -1.96% | -80 bps | |
| Return on Equity | -9.87% | -9.53% | -12.10% | -10.78% | -11.34% | -18.39% | -23.99% | -27.86% | -1,708 bps | |
| Net Interest Margin | 2.62% | 2.55% | 2.44% | 2.63% | 2.37% | 2.20% | 1.97% | 1.61% | -102 bps | |
| Efficiency Ratio | 142.76% | 141.07% | 151.00% | 143.91% | 148.06% | 179.07% | 205% | 222% | +7,778 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.97% | 0.10% | 3.50% | 1.94% | 0.58% | -0.53% | -1.93% | 19.27% | +1,732 bps | |
| Loan Growth (YoY) | -19.63% | -18.87% | -11.16% | -11.04% | -7.34% | -14.87% | -23.40% | -30.00% | -1,897 bps | |
| Share Growth (YoY) | 0.64% | 1.44% | 5.38% | 3.72% | 2.08% | 1.19% | -0.14% | 24.22% | +2,050 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.66% | 2.04% | +204 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 | 0.76% | 0.76% | 0.75% | 0.77% | 0.82% | 0.89% | 0.97% | 1.10% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.35% | 11.01% | 10.27% | 10.73% | 10.03% | 9.47% | 8.63% | 7.03% | -369 bps | |
| Net Worth / Assets | 11.35% | 11.01% | 10.27% | 10.73% | 10.03% | 9.47% | 8.63% | 7.03% | -369 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.52% | 30.19% | 29.62% | 31.06% | 27.71% | 25.40% | 22.72% | 17.50% | -1,356 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |