Stamford, CT · Charter 68488
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.61% | 0.55% | 1.36% | 0.75% | 0.55% | 0.43% | 0.32% | -104 bps | |
| Return on Equity | 8.57% | 7.51% | 6.62% | 16.08% | 9.17% | 6.38% | 5.11% | 3.81% | -1,227 bps | |
| Net Interest Margin | 3.50% | 4.14% | 4.31% | 3.77% | 3.76% | 4.02% | 3.92% | 3.64% | -13 bps | |
| Efficiency Ratio | 96.45% | 92.82% | 93.11% | 74.39% | 84.61% | 88.52% | 90.95% | 97.72% | +2,333 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 1.75% | -6.43% | -1.09% | 4.43% | 2.44% | +69 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | -4.41% | 4.74% | 16.79% | 13.71% | 11.36% | +1,577 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 1.11% | -6.82% | -1.72% | 4.68% | 2.41% | +130 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.97% | 0.79% | 0.94% | 0.79% | 0.38% | 0.48% | 0.44% | 0.51% | -28 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 | 0.95% | 0.90% | 0.61% | 0.58% | 0.43% | 0.44% | 0.32% | 0.31% | -27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.11% | 8.09% | 8.37% | 8.48% | 8.16% | 8.68% | 8.44% | 8.44% | -4 bps | |
| Net Worth / Assets | 7.11% | 8.09% | 8.37% | 8.48% | 8.16% | 8.68% | 8.44% | 8.44% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.21% | 57.22% | 60.08% | 58.87% | 58.68% | 67.99% | 65.27% | 64.01% | +515 bps | |
| Liquid Assets / Assets | 23.18% | 18.82% | 13.13% | 16.61% | 19.49% | 13.00% | 15.77% | 20.12% | +351 bps | |