Rockland, ME · Charter 13717
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.
Rockland, ME · Charter 13717
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 | 1.92% | 1.78% | 1.71% | 1.78% | 1.16% | 1.62% | 1.60% | 1.42% | -35 bps | |
| Return on Equity | 14.94% | 14.09% | 12.79% | 12.64% | 8.19% | 10.47% | 10.34% | 8.96% | -367 bps | |
| Net Interest Margin | 4.02% | 3.82% | 4.02% | 4.34% | 3.91% | 4.27% | 4.19% | 4.25% | -9 bps | |
| Efficiency Ratio | 60.27% | 59.50% | 60.78% | 60.08% | 66.08% | 62.54% | 62.74% | 64.07% | +399 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.03% | 12.14% | 3.42% | 1.58% | 2.20% | -8.02% | -2.49% | -2.83% | -442 bps | |
| Loan Growth (YoY) | 25.46% | 20.16% | 15.34% | 9.34% | 5.47% | 1.28% | -1.57% | -6.00% | -1,533 bps | |
| Share Growth (YoY) | 8.75% | 11.69% | 1.92% | 0.48% | 0.66% | -10.99% | -4.92% | -4.97% | -545 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.12% | 2.69% | 2.05% | 1.65% | 1.01% | 1.27% | 1.51% | 1.45% | -21 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 | 0.23% | 0.19% | 0.18% | 0.18% | 0.27% | 0.27% | 0.27% | 0.27% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.87% | 12.65% | 13.41% | 14.06% | 14.17% | 15.44% | 15.43% | 15.89% | +183 bps | |
| Net Worth / Assets | 12.87% | 12.65% | 13.41% | 14.06% | 14.17% | 15.44% | 15.43% | 15.89% | +183 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.52% | 73.46% | 78.08% | 80.04% | 78.08% | 83.58% | 80.83% | 79.17% | -86 bps | |
| Liquid Assets / Assets | 21.38% | 28.24% | 23.30% | 22.08% | 28.10% | 0.00% | 0.00% | 0.00% | -2,208 bps | |