Stamford, CT · Charter 66226
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Stamford, CT · Charter 66226
Q2 2005
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.87% | 0.01% | 0.36% | -0.04% | 0.16% | 0.46% | -0.39% | 0.99% | +103 bps | |
| Return on Equity | -7.71% | 0.11% | 2.79% | -0.37% | 1.29% | 3.11% | -2.50% | 5.42% | +579 bps | |
| Net Interest Margin | 1.27% | 2.00% | 1.08% | 1.31% | 1.44% | 1.83% | 2.28% | 2.52% | +121 bps | |
| Efficiency Ratio | 167.46% | 99.29% | 66.83% | 103.30% | 89.12% | 76.15% | 75.00% | 39.03% | -6,427 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.23% | 0.21% | 5.31% | 2.21% | -2.60% | -12.31% | -14.38% | -31.26% | -3,347 bps | |
| Loan Growth (YoY) | n/a | -43.40% | 37.74% | 14.68% | 37.84% | 33.05% | -31.16% | -49.47% | -6,415 bps | |
| Share Growth (YoY) | 0.94% | 0.14% | 3.45% | 1.28% | -4.08% | -14.47% | -15.20% | -36.07% | -3,734 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 2.41% | 2.65% | 3.34% | 0.00% | 0.00% | -241 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 | 24.23% | 31.74% | 19.06% | 15.87% | 17.58% | 23.86% | 27.69% | 31.40% | +1,554 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.24% | 12.62% | 13.00% | 11.81% | 12.34% | 14.86% | 15.47% | 18.28% | +646 bps | |
| Net Worth / Assets | 11.24% | 12.62% | 13.00% | 11.81% | 12.34% | 14.86% | 15.47% | 18.28% | +646 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 7.49% | 6.16% | 10.72% | 11.48% | 10.76% | 9.58% | 8.71% | 9.07% | -241 bps | |
| Liquid Assets / Assets | 94.19% | 94.51% | 90.00% | 89.81% | 0.00% | 91.62% | 92.56% | 92.49% | +268 bps | |