Gilford, NH · Cert 23675
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Gilford, NH · Cert 23675
FDIC
Q3 2005
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.82% | 0.90% | 0.90% | 0.91% | 0.89% | 0.96% | -2.98% | -388 bps | |
| Return on Equity | 8.13% | 7.75% | 8.46% | 8.63% | 8.61% | 8.14% | 8.52% | -28.25% | -3,688 bps | |
| Net Interest Margin | 3.31% | 3.70% | 3.63% | 3.66% | 3.72% | 4.00% | 4.06% | 4.22% | +56 bps | |
| Efficiency Ratio | 75.79% | 76.47% | 75.23% | 74.99% | 74.01% | 72.11% | 70.67% | 165.98% | +9,099 bps | |
| Non-Interest Burden | 2.40% | 2.69% | 2.59% | 2.61% | 2.62% | 2.76% | 2.73% | 7.35% | +474 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.92% | 3.53% | 2.43% | 6.34% | -2.25% | 4.78% | -4.38% | -10.69% | -1,703 bps | |
| Loan Growth (YoY) | 10.23% | 1.90% | 9.68% | 15.46% | 7.06% | 6.55% | -4.43% | -14.80% | -3,026 bps | |
| Deposit Growth (YoY) | 9.42% | 2.45% | 1.69% | 5.75% | -3.81% | 5.17% | -5.79% | -11.98% | -1,773 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 | 0.00% | 0.00% | 0.20% | 0.13% | 0.10% | 0.00% | 0.08% | 0.06% | -7 bps | |
| Allowance / Loans | 1.18% | 1.23% | 1.02% | 1.00% | 1.07% | 1.14% | 1.12% | 1.22% | +23 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 | 19.60% | 22.30% | 20.84% | 20.02% | 20.88% | 21.84% | 22.74% | 18.45% | -157 bps | |
| Equity / Assets | 9.98% | 11.11% | 10.67% | 9.95% | 11.21% | 10.72% | 11.81% | 8.46% | -149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.33% | 52.18% | 55.29% | 52.08% | 58.24% | 52.86% | 56.09% | 50.42% | -167 bps | |
| Liquid Assets / Assets | 8.15% | 6.48% | 6.06% | 8.54% | 5.02% | 5.50% | 5.62% | 6.19% | -235 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |