Clinton, CT · Charter 66045
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 | 2.88% | 3.35% | 3.04% | 3.17% | 3.45% | 4.20% | 3.42% | 0.27% | -290 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 | 30.56% | -7.34% | 1.02% | 12.50% | 22.27% | 60.60% | 39.60% | +3,858 bps | |
| Loan Growth (YoY) | n/a | 47.42% | 14.24% | 17.97% | 39.47% | 20.96% | 10.94% | 37.04% | +1,907 bps | |
| Share Growth (YoY) | n/a | 37.27% | -9.56% | 0.40% | 13.12% | 23.55% | 67.34% | 41.97% | +4,157 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.33% | 4.52% | +452 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 | 0.54% | 0.54% | 3.27% | 3.83% | 2.51% | 2.84% | 2.95% | 4.16% | +33 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 | 44.78% | 43.80% | 54.51% | 39.10% | 55.22% | 42.89% | 36.13% | 37.74% | -136 bps | |
| Liquid Assets / Assets | 40.86% | 41.08% | 47.68% | 41.77% | 39.06% | 35.52% | 31.00% | 31.80% | -997 bps | |