East Hartford, CT · Charter 66053
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.50% | 3.03% | 2.25% | 0.61% | 1.05% | 1.27% | 0.76% | 0.63% | +3 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 12.30% | 8.41% | 6.41% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.96% | 4.72% | 5.46% | 4.41% | 4.33% | -63 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 88.15% | 78.25% | 77.24% | 83.16% | 84.11% | -405 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.11% | 9.36% | -2.49% | -10.61% | -11.21% | -11.57% | 2.56% | 9.31% | +1,992 bps | |
| Loan Growth (YoY) | -9.61% | -1.22% | -22.74% | -3.17% | -7.83% | -15.84% | 0.46% | -26.67% | -2,350 bps | |
| Share Growth (YoY) | 10.06% | 7.65% | -4.16% | -14.27% | -11.11% | -14.27% | 3.35% | 4.98% | +1,924 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.41% | 2.00% | 2.58% | 2.10% | 1.27% | 1.34% | 1.35% | 1.50% | -59 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 | 3.63% | 3.64% | 2.52% | 1.22% | 1.47% | 1.95% | 2.57% | 3.13% | +192 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 10.36% | 9.07% | 9.84% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 10.36% | 9.07% | 9.84% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.90% | 60.65% | 48.37% | 64.44% | 54.85% | 59.54% | 47.02% | 45.01% | -1,942 bps | |
| Liquid Assets / Assets | 31.00% | 23.38% | 34.88% | 26.89% | 31.63% | 35.24% | 38.52% | 48.00% | +2,111 bps | |