Newington, CT · Charter 6241
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.53% | 0.41% | 0.49% | 0.41% | 0.18% | 0.32% | -14.08% | -1,458 bps | |
| Return on Equity | 4.03% | 3.58% | 2.79% | 3.37% | 2.80% | 1.26% | 2.02% | -125.80% | -12,918 bps | |
| Net Interest Margin | 2.60% | 2.66% | 2.68% | 2.69% | 2.55% | 2.46% | 2.43% | 2.62% | -6 bps | |
| Efficiency Ratio | 78.40% | 80.45% | 84.86% | 81.68% | 84.13% | 87.65% | 86.82% | 96.65% | +1,497 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.22% | -10.49% | -5.58% | 2.16% | 0.85% | 2.16% | -6.60% | -19.93% | -2,209 bps | |
| Loan Growth (YoY) | -7.96% | -7.04% | 15.78% | -7.12% | -4.41% | -17.00% | -34.48% | -30.62% | -2,350 bps | |
| Share Growth (YoY) | -2.85% | -11.65% | -5.98% | 2.03% | 0.57% | 2.36% | -7.62% | -15.65% | -1,769 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.73% | 2.30% | 2.06% | 1.14% | 1.07% | 0.96% | 9.31% | 9.31% | +817 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 | 2.21% | 0.00% | 0.02% | 0.15% | 0.24% | 0.70% | 0.95% | 19.78% | +1,964 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.25% | 14.77% | 14.66% | 14.66% | 14.51% | 14.64% | 15.86% | 11.19% | -347 bps | |
| Net Worth / Assets | 14.25% | 14.77% | 14.66% | 14.66% | 14.51% | 14.64% | 15.86% | 11.19% | -347 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.07% | 52.61% | 56.80% | 49.33% | 45.69% | 42.66% | 40.28% | 40.57% | -875 bps | |
| Liquid Assets / Assets | 57.41% | 53.24% | 49.50% | 56.01% | 59.04% | 62.15% | 64.44% | 41.85% | -1,416 bps | |