Stamford, CT · Charter 68478
Q3 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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 0.48% | 0.37% | 0.40% | 0.39% | 0.39% | 0.44% | 0.41% | +1 bps | |
| Return on Equity | 3.17% | 2.67% | 2.86% | 2.78% | 2.88% | 3.19% | 2.89% | +3 bps | |
| Net Interest Margin | 3.48% | 3.37% | 3.33% | 3.25% | 3.13% | 3.12% | 3.19% | -14 bps | |
| Efficiency Ratio | 87.07% | 90.30% | 89.55% | 89.95% | 89.39% | 88.46% | 88.45% | -109 bps | |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 14.80% | 4.16% | 0.43% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -2.05% | -3.79% | 3.48% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 16.92% | 4.28% | -0.02% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 1.19% | 0.27% | 0.26% | 0.26% | 0.29% | 0.16% | 0.72% | +47 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.43% | 0.40% | 0.39% | 0.40% | 0.39% | 0.37% | 0.37% | -2 bps | |
| Capital | |||||||||
| Risk-Based Capital | 15.17% | 14.01% | 13.87% | 13.89% | 13.69% | 13.87% | 14.21% | +34 bps | |
| Net Worth / Assets | 15.17% | 14.01% | 13.87% | 13.89% | 13.69% | 13.87% | 14.21% | +34 bps | |
| Liquidity & Funding | |||||||||
| Loans / Shares | 76.38% | 71.14% | 69.11% | 64.39% | 63.99% | 65.63% | 71.53% | +242 bps | |
| Liquid Assets / Assets | 32.87% | 27.78% | 35.61% | 40.20% | 39.64% | 38.76% | 33.61% | -201 bps | |