Waterbury, CT · Charter 8721
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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.
Waterbury, CT · Charter 8721
Q4 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.79% | 0.92% | -2.73% | -1.59% | -2.68% | -189 bps | |
| Return on Equity | -9.77% | 11.57% | -34.13% | -23.97% | -47.78% | -3,802 bps | |
| Net Interest Margin | 7.65% | 7.42% | 7.13% | 7.19% | 7.70% | +5 bps | |
| Efficiency Ratio | 87.62% | 84.42% | 91.47% | 91.10% | 93.09% | +547 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.44% | 2.79% | -4.76% | -0.80% | -2.06% | +339 bps | |
| Loan Growth (YoY) | -11.46% | -11.53% | -17.15% | -16.99% | -15.24% | -378 bps | |
| Share Growth (YoY) | -3.99% | 4.12% | -2.53% | 1.69% | 0.99% | +498 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.09% | 4.29% | 3.74% | 6.91% | 6.37% | +228 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.67% | 0.60% | 2.00% | 2.30% | 3.82% | +215 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.13% | 7.92% | 8.01% | 6.63% | 5.62% | -251 bps | |
| Net Worth / Assets | 8.13% | 7.92% | 8.01% | 6.63% | 5.62% | -251 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.27% | 71.17% | 67.80% | 66.43% | 65.69% | -1,258 bps | |
| Liquid Assets / Assets | 26.87% | 32.60% | 35.75% | 37.04% | 38.18% | +1,131 bps | |