West Hartford, CT · Charter 65908
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.13% | -2.17% | -4.90% | -4.65% | -0.95% | 1.30% | -0.59% | -17.10% | -1,246 bps | |
| Return on Equity | -30.10% | -21.33% | -62.01% | -59.71% | -10.74% | 12.28% | -6.20% | -136.24% | -7,653 bps | |
| Net Interest Margin | 5.97% | 6.91% | 8.84% | 5.22% | 5.09% | 11.22% | 9.19% | 0.40% | -483 bps | |
| Efficiency Ratio | 152.43% | 131.39% | 101.96% | 138.86% | 94.63% | 59.40% | 75.13% | 4407% | +426,844 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.57% | -6.76% | -15.33% | -16.56% | -16.69% | -24.02% | -16.80% | -47.19% | -3,063 bps | |
| Loan Growth (YoY) | -3.57% | -4.90% | -22.33% | -30.18% | -32.84% | -33.58% | -29.59% | -47.60% | -1,742 bps | |
| Share Growth (YoY) | -9.31% | -6.68% | -13.50% | -12.35% | -13.15% | -18.94% | -14.43% | -50.95% | -3,860 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 17.39% | 21.05% | 7.86% | 17.66% | 36.54% | 26.49% | 26.37% | 33.89% | +1,623 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 | 0.63% | 0.64% | 1.76% | 2.09% | 1.65% | 2.44% | 2.48% | 3.36% | +127 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.40% | 10.16% | 7.90% | 7.78% | 8.87% | 10.55% | 9.44% | 12.55% | +477 bps | |
| Net Worth / Assets | 10.40% | 10.16% | 7.90% | 7.78% | 8.87% | 10.55% | 9.44% | 12.55% | +477 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.42% | 93.95% | 86.36% | 83.44% | 75.33% | 76.99% | 71.06% | 89.15% | +570 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |