West Hartford, CT · Charter 61479
Q2 1997
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 3.75% | 1.11% | 1.71% | -3.29% | 0.19% | 1.32% | 0.72% | -98 bps | |
| Return on Equity | 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -36.57% | -36.20% | -36.41% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -55.73% | -66.48% | -71.61% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -57.45% | -53.73% | -60.66% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 2.97% | 21.69% | 7.05% | 14.36% | 27.63% | 58.67% | 69.24% | +6,218 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.79% | 1.92% | 2.33% | 11.99% | 17.81% | 33.35% | 42.59% | +4,026 bps | |
| Capital | |||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||||
| Loans / Shares | 113.72% | 122.56% | 116.09% | 131.41% | 118.33% | 88.78% | 83.77% | -3,232 bps | |
| Liquid Assets / Assets | 32.79% | 0.00% | 37.88% | 41.78% | 64.00% | 72.50% | 77.88% | +4,000 bps | |