# CONNECTICUT BANK&TRUST CO
HARTFORD, CT · FDIC certificate 57690 · asset band <$300M · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $278.2M | |
| Deposits | $217.2M | |
| Loans and leases | $214.6M | |
| Total equity | $22.1M | |
| Loans / deposits | 97.01% (p95 of band) | 67.95% |
| Liquid assets / assets | 20.98% (p16 of band) | |
| Uninsured deposits / deposits | 14.60% (p78 of band) | 8.38% |
| Brokered deposits | 5.71% | |
| Wholesale funding | 19.30% (p96 of band) | |
| FHLB advances / assets | 10.59% | |
| Tier 1 leverage | 7.56% (p9 of band) | 9.95% |
| Unrealized securities loss / equity | 1.52% (p37 of band) | 2.77% |
| AOCI / equity | 0.37% (p84 of band) | |
| ROA (annualized) | -2.06% (p3 of band) | 0.78% |
| Net interest margin | 3.58% (p40 of band) | 3.77% |
| Efficiency ratio | 103.80% (p92 of band) | |
| Noncurrent loans | 6.19% (p90 of band) | 1.40% |
| Net charge-offs (annualized) | 2.46% (p98 of band) | |
| Reserve coverage of noncurrent | 29.16% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 57.36% (p84 of band) | |
| Auto loans | $4.2M (1.97% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 67 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  | loans exceed deposits |
| 2011-09 | 5 | capital falling, losing money, noncurrent p90 | brokered >10% |
| 2011-12 | 5 | loans exceed deposits | noncurrent p90 |
| 2012-03 | 7 | expense ratio p90, noncurrent p90, charge-offs p90 | loans exceed deposits |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57690 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "57690", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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