Milford, CT · Charter 66166
Q2 2003
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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.75% | 0.59% | 0.49% | -1.09% | -0.80% | 0.29% | 20.75% | -28.25% | -2,716 bps | |
| Return on Equity | 10.49% | 3.68% | 2.92% | -6.57% | -4.12% | 1.33% | 72.83% | -234% | -22,700 bps | |
| Net Interest Margin | 6.77% | 5.28% | 5.08% | 3.05% | 3.81% | 4.09% | 3.11% | -30.86% | -3,391 bps | |
| Efficiency Ratio | 107.88% | 89.18% | 138.97% | 133.58% | 120.23% | 119.99% | 74.74% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.18% | 3.83% | 8.92% | -3.32% | -14.66% | -24.71% | -27.45% | -33.95% | -3,063 bps | |
| Loan Growth (YoY) | -25.91% | -22.00% | -34.71% | -43.69% | -39.82% | -31.50% | -33.58% | -49.10% | -541 bps | |
| Share Growth (YoY) | -5.23% | -1.25% | 1.26% | -4.92% | -15.41% | -27.98% | -33.52% | -29.72% | -2,480 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.30% | 3.10% | 3.22% | 14.17% | 16.28% | 16.78% | 13.92% | 7.67% | -651 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 | 29.47% | 32.67% | 25.18% | 30.53% | 33.93% | 26.40% | 0.00% | 17.86% | -1,267 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.67% | 16.00% | 16.68% | 16.54% | 19.52% | 21.78% | 28.49% | 12.09% | -445 bps | |
| Net Worth / Assets | 16.67% | 16.00% | 16.68% | 16.54% | 19.52% | 21.78% | 28.49% | 12.09% | -445 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.93% | 28.70% | 27.03% | 21.93% | 24.14% | 27.29% | 27.00% | 15.88% | -605 bps | |
| Liquid Assets / Assets | 77.38% | 73.12% | 80.85% | 84.25% | 82.72% | 3.11% | 75.63% | 83.99% | -26 bps | |