Portsmouth, NH · Charter 11512
Q3 1998
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 1996 | Q1 1997 | Q2 1997 | Q3 1997 | Q4 1997 | Q1 1998 | Q2 1998 | Q3 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.02% | 5.02% | 4.99% | 5.03% | 5.00% | 4.69% | 4.48% | 4.56% | -47 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.40% | 7.75% | 11.24% | 13.13% | 16.48% | 18.26% | 18.25% | 17.39% | +426 bps | |
| Loan Growth (YoY) | 22.90% | 32.95% | 31.56% | 27.92% | 20.58% | 11.86% | 9.40% | 8.26% | -1,966 bps | |
| Share Growth (YoY) | 6.58% | 6.45% | 10.48% | 13.66% | 17.33% | 18.23% | 16.92% | 15.82% | +216 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 0.75% | 0.69% | 0.71% | 0.71% | 0.65% | 0.73% | 0.79% | +8 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 | 3.81% | 3.52% | 3.32% | 3.17% | 2.97% | 2.98% | 2.84% | 2.70% | -47 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.23% | 98.63% | 98.17% | 100.61% | 99.92% | 93.32% | 91.86% | 94.05% | -656 bps | |
| Liquid Assets / Assets | 11.29% | 6.58% | 8.09% | 7.25% | 15.36% | 16.39% | 17.42% | 12.13% | +488 bps | |