Houlton, ME · Charter 15910
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Houlton, ME · Charter 15910
Q3 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.15% | -1.16% | -0.14% | 0.71% | 0.45% | 0.84% | -0.21% | -7 bps | |
| Return on Equity | 6.38% | 6.15% | -6.52% | -0.77% | 3.79% | 2.52% | 4.74% | -1.21% | -43 bps | |
| Net Interest Margin | 4.41% | 4.43% | 4.16% | 4.10% | 4.07% | 3.94% | 3.71% | 3.74% | -36 bps | |
| Efficiency Ratio | 74.22% | 74.50% | 76.89% | 76.34% | 67.00% | 87.73% | 77.40% | 98.70% | +2,236 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.18% | 6.86% | 3.24% | 1.02% | 2.14% | 6.35% | 6.04% | 6.19% | +517 bps | |
| Loan Growth (YoY) | -0.60% | -0.90% | -1.70% | -1.19% | 0.38% | 2.13% | -0.79% | -4.31% | -312 bps | |
| Share Growth (YoY) | 7.18% | 6.98% | 3.24% | 0.69% | 1.45% | 6.86% | 5.95% | 6.47% | +578 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.22% | 1.20% | 1.72% | 1.76% | 1.59% | 1.87% | 1.61% | 1.85% | +9 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 | 0.17% | 0.24% | 0.27% | 0.29% | 0.31% | 0.28% | 0.32% | 0.34% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.23% | 18.68% | 17.85% | 18.03% | 18.64% | 18.02% | 17.76% | 17.43% | -59 bps | |
| Net Worth / Assets | 18.23% | 18.68% | 17.85% | 18.03% | 18.64% | 18.02% | 17.76% | 17.43% | -59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.00% | 76.44% | 72.21% | 73.09% | 76.19% | 73.05% | 67.62% | 65.68% | -741 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |