Keene, NH · Cert 17992
FDIC
Q1 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.31% | 1.15% | 0.28% | 0.85% | 0.80% | 0.88% | 0.99% | +72 bps | |
| Return on Equity | 17.46% | 16.95% | 14.72% | 2.02% | 5.44% | 4.79% | 4.93% | 4.26% | +224 bps | |
| Net Interest Margin | 3.76% | 3.66% | 3.58% | 0.80% | 1.72% | 1.80% | 2.26% | 2.92% | +211 bps | |
| Efficiency Ratio | 53.82% | 53.71% | 59.92% | 57.87% | 56.53% | 59.98% | 57.57% | 55.86% | -202 bps | |
| Non-Interest Burden | 1.65% | 1.59% | 1.80% | 0.37% | 0.72% | 0.79% | 0.92% | 1.34% | +97 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.21% | 7.16% | 8.98% | 22.03% | 16.63% | 12.89% | -5.30% | -19.30% | -4,133 bps | |
| Loan Growth (YoY) | -1.42% | -4.33% | -5.96% | -1.17% | -7.24% | -13.56% | -16.29% | -20.97% | -1,980 bps | |
| Deposit Growth (YoY) | 8.61% | 6.70% | 6.51% | 9.45% | 4.46% | 0.27% | -5.85% | -11.45% | -2,091 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.07% | 0.07% | -0.02% | 0.08% | 0.07% | 0.06% | 0.00% | +2 bps | |
| Allowance / Loans | 1.20% | 1.22% | 1.24% | 1.24% | 1.25% | 1.36% | 1.45% | 1.50% | +26 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.18% | 11.36% | 11.29% | 10.05% | 10.08% | 10.93% | 12.49% | 12.19% | +214 bps | |
| Equity / Assets | 7.85% | 7.95% | 8.11% | 18.55% | 19.35% | 19.60% | 23.23% | 23.34% | +479 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.85% | 84.45% | 82.46% | 79.87% | 77.13% | 72.80% | 73.32% | 71.29% | -858 bps | |
| Liquid Assets / Assets | 4.40% | 6.62% | 0.45% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |