Waterville, ME · Charter 11289
Q3 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.54% | 0.65% | 0.74% | 0.78% | 0.84% | 1.02% | 0.26% | -48 bps | |
| Return on Equity | 4.54% | 4.27% | 5.03% | 5.55% | 5.74% | 6.34% | 7.44% | 1.90% | -365 bps | |
| Net Interest Margin | 3.40% | 3.48% | 3.64% | 3.74% | 3.80% | 3.66% | 3.89% | 3.26% | -48 bps | |
| Efficiency Ratio | 84.47% | 86.78% | 82.09% | 79.73% | 78.79% | 81.26% | 78.18% | 93.52% | +1,379 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.79% | 1.18% | 0.76% | 0.64% | 0.21% | 2.41% | 1.55% | -0.36% | -99 bps | |
| Loan Growth (YoY) | 6.67% | 6.66% | 1.83% | 6.58% | 0.66% | 7.59% | 12.41% | 10.22% | +364 bps | |
| Share Growth (YoY) | 2.64% | 2.09% | -0.19% | 0.07% | -0.90% | 1.16% | 0.87% | -1.04% | -111 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.53% | 0.53% | 0.49% | 0.41% | 0.11% | 0.09% | 0.06% | -43 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 | 0.16% | 0.15% | 0.21% | 0.21% | 0.25% | 0.20% | 0.19% | 0.18% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.92% | 12.71% | 13.01% | 13.39% | 13.68% | 13.24% | 13.76% | 13.86% | +47 bps | |
| Net Worth / Assets | 12.92% | 12.71% | 13.01% | 13.39% | 13.68% | 13.24% | 13.76% | 13.86% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.86% | 53.76% | 54.41% | 56.83% | 56.74% | 57.18% | 60.63% | 63.30% | +647 bps | |
| Liquid Assets / Assets | 133.27% | 131.70% | 31.09% | 30.05% | 30.85% | 33.94% | 0.00% | 0.00% | -3,005 bps | |