New Britain, CT · Charter 66059
Q3 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | 0.38% | 0.65% | 1.11% | 0.30% | -0.31% | -0.10% | -14.89% | -1,600 bps | |
| Return on Equity | 0.31% | 1.82% | 3.20% | 5.08% | 1.31% | -1.35% | -0.43% | -108.45% | -11,353 bps | |
| Net Interest Margin | 4.58% | 3.41% | 4.70% | 5.19% | 5.34% | 3.87% | 5.26% | 5.69% | +50 bps | |
| Efficiency Ratio | 98.61% | 88.74% | 86.08% | 78.79% | 94.49% | 107.90% | 101.89% | 361% | +28,247 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.68% | -4.90% | -0.53% | -3.50% | -6.23% | -5.50% | -12.25% | -14.42% | -1,092 bps | |
| Loan Growth (YoY) | 7.79% | 18.00% | 12.15% | 3.54% | -0.91% | -10.17% | -10.14% | -7.98% | -1,151 bps | |
| Share Growth (YoY) | -10.81% | -1.52% | -1.12% | -5.45% | -8.15% | -11.64% | -15.26% | -17.53% | -1,208 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 1.29% | 0.13% | 0.14% | 0.66% | 3.00% | 0.65% | +52 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 | 0.56% | 0.54% | 0.55% | 0.55% | 0.58% | 0.61% | 0.61% | 0.60% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.97% | 21.17% | 20.49% | 21.86% | 22.64% | 22.60% | 23.23% | 13.73% | -813 bps | |
| Net Worth / Assets | 20.97% | 21.17% | 20.49% | 21.86% | 22.64% | 22.60% | 23.23% | 13.73% | -813 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.37% | 70.21% | 69.77% | 73.83% | 74.83% | 71.38% | 73.99% | 82.39% | +856 bps | |
| Liquid Assets / Assets | 42.86% | 38.21% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |