Hartford,, CT · Charter 67961
Q4 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.95% | -3.06% | 0.67% | -0.18% | -2.80% | 0.14% | 2.79% | 0.64% | +82 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 31.20% | 8.46% | 9.07% | 27.71% | 7.61% | 11.90% | +344 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 149.55% | 170.83% | 702% | -28.87% | -64.99% | -21,454 bps | |
| Share Growth (YoY) | n/a | n/a | 37.73% | 6.23% | 7.40% | 28.32% | 5.44% | 9.34% | +310 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.66% | 26.52% | 3.55% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.42% | 3.65% | 5.25% | +525 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 7.62% | 2.84% | 20.43% | 26.79% | 19.23% | 17.72% | 13.79% | 8.58% | -1,821 bps | |
| Liquid Assets / Assets | 79.43% | 83.71% | 66.15% | 55.71% | 70.99% | 76.54% | 72.34% | 66.94% | +1,124 bps | |