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National Bank of Fairhaven

Fairhaven, MA · Cert 2577

FDIC

Q2 1996

$64.8MAssets
$34.2MLoans
$59.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.24%, up 29 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 57.42% of deposits as of Q2 1996.

Return on Assets (YTD, annualized)

1.24%+29 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 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996YoY ΔTrend
Earnings
Return on Assets1.59%1.73%0.86%0.94%0.92%1.22%1.03%1.24%+29 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)n/an/a12.77%11.50%9.14%11.30%10.80%4.12%-738 bps
Loan Growth (YoY)n/an/a0.89%-1.31%4.30%2.99%-1.05%-3.99%-268 bps
Deposit Growth (YoY)n/an/a15.49%13.21%10.61%10.71%10.50%3.76%-945 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 / Deposits69.42%67.68%67.50%62.05%65.47%62.96%60.45%57.42%-463 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