New Haven, CT · Charter 6804
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
New Haven, CT · Charter 6804
Q2 2015
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.59% | -0.41% | -1.00% | -0.92% | -0.66% | -1.05% | -0.67% | -0.57% | +35 bps | |
| Return on Equity | -9.27% | -6.43% | -16.29% | -14.98% | -10.30% | -17.91% | -11.95% | -10.17% | +480 bps | |
| Net Interest Margin | 3.22% | 3.27% | 3.18% | 3.25% | 3.37% | 3.37% | 3.25% | 3.25% | 0 bps | |
| Efficiency Ratio | 110.51% | 107.62% | 107.52% | 109.48% | 112.80% | 111.23% | 111.50% | 107.29% | -219 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.81% | -4.55% | -7.65% | -7.22% | -6.48% | -6.38% | -6.22% | -4.90% | +233 bps | |
| Loan Growth (YoY) | 7.79% | 15.55% | 19.00% | 13.04% | 2.84% | -1.09% | -6.27% | -7.09% | -2,013 bps | |
| Share Growth (YoY) | -5.43% | -4.45% | -7.23% | -6.96% | -6.49% | -7.22% | -5.76% | -4.38% | +258 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 3.40% | 2.81% | 0.75% | 3.51% | 4.26% | 0.87% | 6.02% | +527 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 | 0.89% | 0.80% | 1.03% | 1.06% | 0.61% | 1.36% | 0.94% | 1.06% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.41% | 6.46% | 6.13% | 6.13% | 6.40% | 5.85% | 5.60% | 5.60% | -54 bps | |
| Net Worth / Assets | 6.41% | 6.46% | 6.13% | 6.13% | 6.40% | 5.85% | 5.60% | 5.60% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.06% | 53.24% | 53.45% | 55.22% | 56.15% | 56.75% | 53.16% | 53.65% | -157 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |