Portland, ME · Charter 24195
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 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.
Portland, ME · Charter 24195
Q2 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.93% | 1.00% | 1.08% | 0.98% | 0.93% | 0 bps | |
| Return on Equity | 8.25% | 8.46% | 8.89% | 8.04% | 7.41% | -84 bps | |
| Net Interest Margin | 3.67% | 3.78% | 3.92% | 3.68% | 3.84% | +18 bps | |
| Efficiency Ratio | 81.70% | 81.58% | 81.77% | 81.68% | 82.82% | +112 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.12% | -2.46% | -3.34% | 0.31% | -2.29% | -217 bps | |
| Loan Growth (YoY) | 23.42% | 17.43% | 11.40% | 0.11% | -6.39% | -2,980 bps | |
| Share Growth (YoY) | -1.05% | -3.68% | -4.82% | -0.96% | -3.79% | -274 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.80% | 0.56% | 1.03% | 0.57% | 0.71% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.28% | 0.26% | 0.20% | 0.20% | 0.28% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.26% | 11.78% | 12.20% | 12.16% | 12.60% | +133 bps | |
| Net Worth / Assets | 11.26% | 11.78% | 12.20% | 12.16% | 12.60% | +133 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.41% | 75.02% | 74.51% | 69.21% | 69.48% | -193 bps | |
| Liquid Assets / Assets | 19.74% | 17.27% | 20.90% | 27.15% | 27.19% | +745 bps | |