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Bansco

Bangor, ME · Charter 15436

Q2 2001

$10.2MAssets
$7.9MLoans
$9.6MShares
$585KNet Worth

Executive Summary

  • Earnings: ROA of 0.42%, down 231 bps year over year; NIM at 5.31%.
  • Asset quality: problem loans at 0.60% of loans (+33 bps YoY).
  • Capital: net worth / assets of 5.74%.
  • Funding: loans stand at 81.92% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

0.42%-231 bps YoY

Net Interest Margin (YTD, annualized)

5.31%

Efficiency Ratio (YTD, annualized)

89.04%

Net Worth / Assets

5.74%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets3.58%3.25%3.21%2.73%0.04%0.02%0.34%0.42%-231 bps
Return on Equityn/an/an/an/an/an/a5.44%7.34%n/a
Net Interest Marginn/an/an/an/a4.90%5.29%5.83%5.31%n/a
Efficiency Ration/an/an/an/a94.19%90.16%89.20%89.04%n/a
Growth
Asset Growth (YoY)14.54%11.82%22.85%17.19%12.75%1.34%-3.55%0.59%-1,660 bps
Loan Growth (YoY)13.57%6.05%3.24%8.80%12.33%13.05%21.40%18.85%+1,006 bps
Share Growth (YoY)14.05%11.43%23.50%17.15%12.61%0.94%-4.18%0.22%-1,692 bps
Asset Quality
Delinquent Loans / Loans0.68%0.86%0.42%0.27%0.80%0.43%0.59%0.60%+33 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.27%0.39%0.46%0.32%0.43%0.42%0.37%0.48%+15 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a6.20%5.74%n/a
Net Worth / Assetsn/an/an/an/an/an/a6.20%5.74%n/a
Liquidity & Funding
Loans / Shares79.02%72.06%73.47%69.08%78.83%80.71%93.08%81.92%+1,284 bps
Liquid Assets / Assets16.13%21.73%18.82%24.70%0.00%5.15%4.75%14.40%-1,029 bps