Naugatuck, CT · Charter 65916
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.63% | 1.73% | 1.97% | 1.72% | 2.39% | 2.41% | 2.85% | 2.22% | +50 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 0.71% | -1.51% | -4.64% | -4.20% | -0.59% | -4.90% | -11.59% | -694 bps | |
| Loan Growth (YoY) | n/a | 2.65% | 9.01% | -5.27% | 21.63% | 74.69% | 87.56% | 95.50% | +10,077 bps | |
| Share Growth (YoY) | n/a | 2.28% | -2.20% | -5.58% | -5.34% | -1.72% | -7.64% | -15.75% | -1,017 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 1.09% | 1.12% | 0.71% | 0.00% | 0.00% | 6.00% | +488 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 | 1.83% | 1.35% | 2.25% | 3.27% | 3.27% | 2.54% | 2.67% | 2.79% | -48 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.97% | 38.79% | 43.57% | 36.84% | 52.64% | 68.95% | 88.48% | 85.49% | +4,865 bps | |
| Liquid Assets / Assets | 57.80% | 59.66% | 53.44% | 67.19% | 44.63% | 33.81% | 20.10% | 24.80% | -4,239 bps | |