Madison, CT · Charter 66040
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 | 2.80% | 1.87% | 2.20% | 2.62% | 2.49% | 3.15% | 3.30% | 2.57% | -5 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 | -5.56% | -7.36% | -8.93% | -1.87% | -11.25% | -14.12% | -8.20% | +73 bps | |
| Loan Growth (YoY) | n/a | 29.06% | 41.22% | 23.10% | 11.45% | -7.25% | -32.07% | -43.57% | -6,667 bps | |
| Share Growth (YoY) | n/a | -5.63% | -7.57% | -9.66% | -1.91% | -12.68% | -16.17% | -9.27% | +39 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.21% | 0.16% | 0.76% | 0.34% | 0.06% | 0.21% | 3.40% | +264 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 | 1.63% | 1.78% | 1.29% | 1.31% | 1.43% | 1.49% | 1.75% | 2.07% | +76 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 | 67.89% | 59.02% | 78.56% | 80.14% | 77.13% | 62.69% | 63.66% | 49.84% | -3,030 bps | |
| Liquid Assets / Assets | 29.70% | 32.33% | 15.62% | 11.24% | 23.88% | 2.29% | 35.77% | 9.38% | -187 bps | |