Waterbury, CT · Charter 65953
Q4 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.20% | 3.84% | 3.65% | 4.12% | 3.64% | 3.76% | 2.15% | 0.01% | -411 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 | 4.68% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 99.71% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.15% | 0.83% | 8.90% | 17.90% | 12.43% | -3.94% | -10.63% | -35.58% | -5,348 bps | |
| Loan Growth (YoY) | 11.45% | 14.27% | 4.43% | -20.18% | -15.38% | -42.75% | -54.81% | -55.53% | -3,535 bps | |
| Share Growth (YoY) | -5.49% | 0.95% | 10.31% | 30.26% | 14.05% | -4.43% | -11.67% | -39.76% | -7,002 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 3.68% | 4.64% | 4.94% | 0.00% | 6.63% | 6.59% | +195 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 | 3.19% | 3.38% | 3.40% | 4.08% | 4.49% | 6.25% | 7.70% | 9.31% | +523 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 | 52.97% | 51.19% | 46.99% | 41.31% | 39.30% | 30.66% | 24.04% | 30.49% | -1,082 bps | |
| Liquid Assets / Assets | 26.43% | 51.54% | 55.22% | 56.16% | 59.92% | 68.53% | 76.52% | 68.94% | +1,278 bps | |