Danbury, CT · Charter 66047
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.71% | 3.35% | 2.43% | 4.01% | 1.25% | 3.27% | 3.53% | 4.13% | +12 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 | -10.33% | -6.89% | 2.53% | 7.17% | 6.97% | 2.21% | -7.82% | -1,035 bps | |
| Loan Growth (YoY) | n/a | 45.63% | 35.76% | 39.70% | 11.09% | 4.49% | 12.67% | -27.60% | -6,730 bps | |
| Share Growth (YoY) | n/a | -13.78% | -9.60% | 1.78% | 10.92% | 10.57% | 5.00% | -7.93% | -970 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.35% | 1.93% | 6.62% | 3.93% | 1.38% | 0.22% | 3.03% | 1.43% | -250 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 | 1.20% | 1.38% | 1.23% | 0.89% | 1.67% | 1.91% | 2.17% | 2.51% | +162 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 | 79.91% | 72.51% | 73.06% | 97.29% | 80.03% | 68.52% | 78.40% | 76.50% | -2,078 bps | |
| Liquid Assets / Assets | 16.32% | 33.84% | 27.22% | 18.45% | 34.96% | 38.59% | 34.87% | 29.74% | +1,129 bps | |