Portland, ME · Cert 23375
FDIC
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Portland, ME · Cert 23375
FDIC
Q2 2001
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 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.51% | 1.37% | 0.77% | 0.72% | 0.72% | 0.70% | 0.74% | 0.78% | +6 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 3.82% | 3.60% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 84.18% | 81.79% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | 3.15% | 2.86% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.09% | 0.11% | 5.98% | 14.07% | 6.75% | 15.44% | 12.63% | 15.90% | +183 bps | |
| Loan Growth (YoY) | 12.29% | 14.15% | 11.51% | 9.51% | 5.43% | 9.66% | 18.76% | 20.50% | +1,099 bps | |
| Deposit Growth (YoY) | -3.70% | -5.64% | -10.81% | -4.09% | -1.65% | 1.77% | 13.74% | 18.46% | +2,255 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 | n/a | n/a | n/a | n/a | n/a | n/a | -0.33% | -0.19% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 2.04% | 2.02% | n/a | |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | 15.98% | 14.60% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 8.52% | 7.52% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.62% | 83.52% | 92.45% | 91.35% | 88.56% | 90.00% | 96.53% | 92.92% | +157 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 5.41% | 10.36% | +1,036 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |