Groveton, NH · Charter 16020
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Groveton, NH · Charter 16020
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.37% | -2.79% | -2.50% | -2.16% | -3.78% | -3.53% | -4.52% | -6.35% | -419 bps | |
| Return on Equity | -20.26% | -16.71% | -12.66% | -10.75% | -20.74% | -18.88% | -22.46% | -29.40% | -1,865 bps | |
| Net Interest Margin | 5.09% | 4.99% | 5.72% | 5.71% | 4.90% | 5.00% | 5.59% | 5.98% | +27 bps | |
| Efficiency Ratio | 155.75% | 147.34% | 136.62% | 131.36% | 165.36% | 159.44% | 151.77% | 171.81% | +4,045 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.17% | -3.97% | -15.46% | -17.40% | -17.69% | -20.14% | -17.00% | -28.18% | -1,078 bps | |
| Loan Growth (YoY) | -15.90% | -23.17% | -20.89% | -22.65% | -24.95% | -24.93% | -30.53% | -37.54% | -1,489 bps | |
| Share Growth (YoY) | 1.51% | -0.64% | -15.78% | -12.51% | -19.45% | -22.26% | -17.73% | -29.71% | -1,720 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 2.56% | 3.28% | 1.33% | 5.04% | 2.24% | 0.42% | 6.75% | +542 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 | 2.23% | 2.45% | 2.65% | 1.34% | 1.49% | 1.19% | 2.11% | 2.55% | +121 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.64% | 16.68% | 19.72% | 20.07% | 18.23% | 18.67% | 20.11% | 21.59% | +152 bps | |
| Net Worth / Assets | 16.64% | 16.68% | 19.72% | 20.07% | 18.23% | 18.67% | 20.11% | 21.59% | +152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.85% | 68.74% | 81.34% | 77.80% | 66.94% | 66.37% | 68.68% | 69.14% | -867 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |