Kensington, CT · Charter 66052
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 | 4.19% | 4.37% | 3.59% | 1.82% | 2.44% | 3.27% | 3.15% | 3.83% | +201 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 | 4.89% | 1.88% | -3.44% | 9.90% | 9.39% | 9.72% | -4.28% | -84 bps | |
| Loan Growth (YoY) | n/a | -23.25% | -18.03% | -39.38% | -8.68% | 26.31% | 20.01% | 37.26% | +7,665 bps | |
| Share Growth (YoY) | n/a | 3.42% | -0.70% | -4.29% | 11.74% | 11.24% | 10.94% | -6.76% | -246 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.33% | 3.27% | 0.00% | 2.97% | 1.47% | 2.35% | 2.01% | 5.72% | +274 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 | 3.55% | 5.02% | 2.79% | 3.20% | 3.32% | 3.68% | 4.31% | 5.05% | +186 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 | 60.21% | 50.19% | 50.57% | 41.39% | 49.20% | 56.99% | 54.71% | 60.94% | +1,954 bps | |
| Liquid Assets / Assets | 38.26% | 32.01% | 33.73% | 32.90% | 32.04% | 32.32% | 2.47% | 37.81% | +492 bps | |