Norwalk, CT · Charter 65863
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.19% | 3.53% | 3.24% | 3.17% | 2.63% | 0.30% | 0.47% | 1.48% | -169 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 20.31% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.08% | 4.25% | 4.37% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 93.08% | 89.46% | 90.50% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.57% | 6.88% | 4.98% | 12.06% | 9.35% | 10.65% | 8.94% | 7.89% | -418 bps | |
| Loan Growth (YoY) | 11.46% | 4.04% | -13.90% | -12.82% | -9.06% | 11.96% | 48.35% | 60.14% | +7,296 bps | |
| Share Growth (YoY) | 2.86% | 4.86% | 3.18% | 10.76% | 8.28% | 10.27% | 7.48% | 6.37% | -439 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.04% | 1.56% | 0.90% | 1.92% | 0.72% | 0.35% | 0.56% | 0.94% | -98 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 | 4.70% | 4.53% | 4.37% | 3.92% | 3.99% | 3.31% | 0.53% | 0.64% | -329 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 7.29% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 7.29% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.44% | 42.31% | 33.58% | 37.95% | 34.81% | 42.96% | 46.34% | 57.13% | +1,918 bps | |
| Liquid Assets / Assets | 40.51% | 33.09% | 44.48% | 44.24% | 28.89% | 12.56% | 19.77% | 22.30% | -2,195 bps | |