Simsbury, CT · Charter 66079
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.13% | 0.52% | 1.67% | 1.11% | 0.88% | 0.44% | 1.22% | 1.24% | +12 bps | |
| Return on Equity | 8.49% | 2.04% | 8.16% | 5.22% | 4.12% | 1.60% | 5.73% | 4.24% | -98 bps | |
| Net Interest Margin | 6.79% | 5.65% | 6.30% | 6.40% | 6.57% | 6.25% | 6.49% | 6.36% | -4 bps | |
| Efficiency Ratio | 77.12% | 98.51% | 73.47% | 82.60% | 77.22% | 85.46% | 81.23% | 80.58% | -202 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.68% | -20.91% | -7.68% | -11.06% | -6.46% | -5.81% | -2.08% | 4.91% | +1,597 bps | |
| Loan Growth (YoY) | 0.95% | 11.67% | 14.20% | 17.37% | 0.51% | -5.38% | 5.74% | 4.81% | -1,256 bps | |
| Share Growth (YoY) | -28.34% | -28.02% | -12.55% | -17.23% | -10.52% | -9.49% | -4.83% | 2.88% | +2,011 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.44% | 16.07% | 21.65% | 19.50% | 13.15% | 14.51% | 12.07% | 13.12% | -638 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 | 7.57% | 6.35% | 5.72% | 3.57% | 1.30% | 5.27% | 4.91% | 4.27% | +69 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.05% | 25.67% | 20.50% | 21.34% | 21.48% | 27.66% | 21.24% | 29.18% | +784 bps | |
| Net Worth / Assets | 25.05% | 25.67% | 20.50% | 21.34% | 21.48% | 27.66% | 21.24% | 29.18% | +784 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.06% | 98.47% | 97.70% | 113.34% | 101.17% | 102.95% | 108.55% | 115.47% | +213 bps | |
| Liquid Assets / Assets | 35.56% | 30.60% | 30.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |