PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Portsmouth Savings Bank

Portsmouth, NH · Cert 17218

FDIC

Q2 1997

$257.4MAssets
$89.4MLoans
$206.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 2.11%, up 4 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 43.22% of deposits as of Q2 1997.

Return on Assets (YTD, annualized)

2.11%+4 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997YoY ΔTrend
Earnings
Return on Assets2.06%2.17%2.10%2.07%2.07%2.10%2.11%2.11%+4 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-0.80%2.78%2.18%-0.13%-0.32%1.63%-0.57%-1.90%-176 bps
Loan Growth (YoY)-1.80%-2.87%7.82%12.30%18.67%30.84%18.87%4.88%-742 bps
Deposit Growth (YoY)-2.98%0.10%1.21%0.26%-0.24%1.13%0.19%-2.39%-265 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits35.56%35.62%39.07%40.22%42.31%46.08%46.35%43.22%+300 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a