Danbury, CT · Charter 61640
Q4 2002
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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.45% | 0.70% | 0.51% | 0.13% | -7.08% | -5.27% | -9.48% | -999 bps | |
| Return on Equity | n/a | n/a | 3.02% | 1.97% | 0.47% | -31.70% | -28.17% | -53.30% | -5,527 bps | |
| Net Interest Margin | 5.74% | 5.70% | 6.78% | 6.69% | 6.33% | -1.77% | 0.34% | -3.75% | -1,043 bps | |
| Efficiency Ratio | 95.03% | 92.22% | 89.85% | 92.64% | 98.04% | n/a | 1390% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.62% | -8.74% | -16.53% | -10.95% | -13.13% | -9.98% | 2.97% | -3.33% | +761 bps | |
| Loan Growth (YoY) | 4.02% | 5.02% | 13.21% | 6.06% | -5.66% | -18.05% | -22.78% | -33.32% | -3,939 bps | |
| Share Growth (YoY) | -9.61% | -12.55% | -23.09% | -16.37% | -19.26% | -10.23% | 9.27% | 7.44% | +2,382 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.00% | 0.00% | 1.15% | 3.22% | 12.06% | 11.86% | 15.07% | +1,391 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 | 3.21% | 3.36% | 3.43% | 3.72% | 4.63% | 2.90% | 1.54% | 0.95% | -277 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 23.22% | 25.95% | 27.29% | 22.34% | 18.71% | 17.78% | -817 bps | |
| Net Worth / Assets | n/a | n/a | 23.22% | 25.95% | 27.29% | 22.34% | 18.71% | 17.78% | -817 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.73% | 39.54% | 50.01% | 47.53% | 44.08% | 36.10% | 35.34% | 29.50% | -1,804 bps | |
| Liquid Assets / Assets | 68.21% | 69.41% | 64.26% | 64.10% | 65.78% | 70.14% | 72.52% | 70.86% | +675 bps | |