New Haven, CT · Charter 7353
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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 7353
Q4 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.48% | -1.65% | -1.01% | -1.13% | -1.13% | -0.93% | -0.82% | -1.07% | +6 bps | |
| Return on Equity | -10.98% | -41.34% | -24.03% | -27.55% | -31.78% | -26.09% | -24.30% | -36.39% | -884 bps | |
| Net Interest Margin | 3.57% | 3.21% | 3.38% | 3.51% | 2.84% | 3.21% | 3.18% | 3.18% | -33 bps | |
| Efficiency Ratio | 127.42% | 140.73% | 136.81% | 132.25% | 128.88% | 123.33% | 118.11% | 118.30% | -1,395 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.54% | -6.54% | -10.09% | -9.84% | -7.97% | -6.76% | -2.33% | 2.11% | +1,195 bps | |
| Loan Growth (YoY) | -25.56% | -26.79% | -21.99% | -19.61% | -15.09% | -9.74% | -7.66% | -7.00% | +1,261 bps | |
| Share Growth (YoY) | -5.41% | -5.76% | -10.50% | -10.20% | -7.96% | -7.02% | -1.41% | -3.54% | +666 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.59% | 4.04% | 2.69% | 4.83% | 5.24% | 4.94% | 10.05% | 11.23% | +640 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 | 3.75% | 3.61% | 2.28% | 1.82% | 1.80% | 1.55% | 1.61% | 2.49% | +67 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 4.39% | 3.99% | 4.21% | 4.10% | 3.56% | 3.58% | 3.38% | 2.95% | -116 bps | |
| Net Worth / Assets | 4.39% | 3.99% | 4.21% | 4.10% | 3.56% | 3.58% | 3.38% | 2.95% | -116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.59% | 36.93% | 37.50% | 38.88% | 34.68% | 35.85% | 35.13% | 37.48% | -140 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |