Portsmouth, NH · Cert 26479
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 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.
Portsmouth, NH · Cert 26479
FDIC
Q4 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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.46% | 0.40% | 0.42% | 0.32% | +8 bps | |
| Return on Equity | 3.57% | 7.18% | 6.07% | 6.23% | 4.60% | +102 bps | |
| Net Interest Margin | 1.01% | 1.37% | 1.45% | 1.47% | 1.58% | +57 bps | |
| Efficiency Ratio | 68.32% | 50.75% | 53.99% | 54.73% | 67.55% | -78 bps | |
| Non-Interest Burden | 0.64% | 0.58% | 0.73% | 0.75% | 1.05% | +41 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 60.18% | 20.43% | 8.05% | -2.19% | -25.23% | -8,541 bps | |
| Loan Growth (YoY) | -12.34% | -12.82% | -5.43% | -8.23% | -16.11% | -377 bps | |
| Deposit Growth (YoY) | 76.08% | 22.25% | 13.35% | -2.80% | -19.52% | -9,560 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.72% | 0.17% | 0.31% | 0.42% | 0.55% | -17 bps | |
| Allowance / Loans | 0.82% | 0.79% | 0.77% | 0.78% | 0.32% | -50 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 11.81% | 15.32% | 15.55% | 16.14% | 18.76% | +695 bps | |
| Equity / Assets | 6.06% | 6.71% | 7.09% | 7.33% | 8.33% | +228 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 2.64% | 2.70% | 2.80% | 2.77% | 2.75% | +11 bps | |
| Liquid Assets / Assets | 0.93% | 0.00% | 0.00% | 0.79% | 1.68% | +75 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |