Portland, CT · Charter 7710
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Portland, CT · Charter 7710
Q4 2006
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 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.07% | -0.76% | -0.39% | -0.39% | -1.49% | -8.93% | -6.93% | -7.32% | -693 bps | |
| Return on Equity | -21.73% | -7.26% | -3.66% | -3.63% | -14.14% | -125.40% | -99.80% | -94.15% | -9,053 bps | |
| Net Interest Margin | 4.97% | 4.82% | 4.73% | 4.30% | 4.73% | 5.11% | 5.47% | 5.82% | +151 bps | |
| Efficiency Ratio | 83.21% | 83.50% | 87.83% | 107.01% | 124.83% | 169.99% | 155.90% | 154.35% | +4,735 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.70% | -13.88% | -14.73% | -11.37% | -10.27% | -9.11% | -14.02% | -15.23% | -386 bps | |
| Loan Growth (YoY) | -23.08% | -23.73% | -12.07% | -8.15% | 0.34% | 9.56% | -5.10% | -8.42% | -27 bps | |
| Share Growth (YoY) | -11.10% | -15.55% | -16.55% | -10.08% | -9.29% | -5.09% | -10.00% | -12.67% | -258 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.10% | 3.26% | 5.98% | 8.46% | 8.08% | 7.88% | 2.50% | 5.64% | -281 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 | 1.96% | 1.94% | 1.67% | 1.29% | 1.39% | 5.43% | 1.83% | 5.00% | +371 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.54% | 10.54% | 10.54% | 10.81% | 10.54% | 7.12% | 6.95% | 7.78% | -303 bps | |
| Net Worth / Assets | 9.54% | 10.54% | 10.54% | 10.81% | 10.54% | 7.12% | 6.95% | 7.78% | -303 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.41% | 48.92% | 54.12% | 55.16% | 52.45% | 56.47% | 57.06% | 57.85% | +268 bps | |
| Liquid Assets / Assets | 13.54% | 7.62% | 48.01% | 46.37% | 46.50% | 0.00% | 0.00% | 0.00% | -4,637 bps | |