Ansonia, CT · Charter 66051
Q4 1998
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.98% | 4.25% | 4.49% | 4.83% | 3.78% | 4.20% | 3.70% | 3.74% | -109 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 | n/a | 35.16% | 18.76% | 15.96% | 9.85% | 2.91% | 19.04% | +29 bps | |
| Loan Growth (YoY) | n/a | n/a | 48.27% | 41.32% | 5.94% | -1.18% | -9.50% | -13.42% | -5,474 bps | |
| Share Growth (YoY) | n/a | n/a | 32.00% | 15.44% | 13.37% | 7.80% | 0.92% | 17.89% | +245 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.92% | 0.49% | 0.65% | 1.20% | 1.24% | 2.74% | +225 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 | 3.21% | 3.63% | 3.54% | 3.74% | 3.92% | 4.56% | 4.44% | 5.05% | +132 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 | 90.99% | 94.55% | 83.62% | 98.66% | 85.03% | 86.68% | 74.99% | 72.46% | -2,621 bps | |
| Liquid Assets / Assets | 9.57% | 1.81% | 15.79% | 5.50% | 15.18% | 15.16% | 30.78% | 22.97% | +1,747 bps | |