Torrington, CT · Charter 65819
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Torrington, CT · Charter 65819
Q3 2011
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.32% | -2.05% | -2.07% | -1.94% | -2.65% | -133 bps | |
| Return on Equity | -12.74% | -23.24% | -25.91% | -26.96% | -39.81% | -2,706 bps | |
| Net Interest Margin | 3.72% | 3.51% | 3.04% | 2.71% | 2.76% | -96 bps | |
| Efficiency Ratio | 130.15% | 142.50% | 152.84% | 158.24% | 177.63% | +4,748 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.30% | 0.08% | 4.77% | 12.38% | 1.65% | -164 bps | |
| Loan Growth (YoY) | 7.14% | 37.51% | 4.37% | 4.25% | 3.65% | -349 bps | |
| Share Growth (YoY) | 6.14% | 3.44% | 9.28% | 17.47% | 6.06% | -8 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.87% | 0.61% | 1.53% | 1.46% | 1.42% | +55 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.93% | 0.70% | 1.06% | 1.00% | 1.21% | +29 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.35% | 8.81% | 7.97% | 7.20% | 6.65% | -370 bps | |
| Net Worth / Assets | 10.35% | 8.81% | 7.97% | 7.20% | 6.65% | -370 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.81% | 34.83% | 30.84% | 29.66% | 30.11% | -70 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |