Bow, NH · Cert 27437
FDIC
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Bow, NH · Cert 27437
FDIC
Q1 2007
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.56% | 0.65% | 0.40% | 0.75% | 0.65% | 0.29% | -0.25% | -66 bps | |
| Return on Equity | 6.95% | 7.54% | 8.68% | 5.29% | 9.82% | 8.33% | 3.75% | -3.15% | -844 bps | |
| Net Interest Margin | 4.02% | 4.03% | 4.03% | 3.85% | 3.89% | 4.05% | 4.12% | 4.17% | +32 bps | |
| Efficiency Ratio | 83.27% | 82.65% | 80.61% | 86.49% | 80.16% | 82.22% | 89.40% | 97.95% | +1,146 bps | |
| Non-Interest Burden | 3.15% | 3.12% | 3.01% | 3.18% | 2.81% | 3.08% | 3.54% | 4.06% | +88 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.60% | 4.62% | 5.92% | 5.55% | 6.27% | 0.76% | 0.72% | -0.11% | -566 bps | |
| Loan Growth (YoY) | 12.02% | 6.15% | 6.22% | 6.85% | 6.30% | 3.82% | -0.42% | -1.83% | -867 bps | |
| Deposit Growth (YoY) | 0.89% | 1.21% | 1.75% | 5.39% | 6.00% | 3.18% | 8.72% | 3.58% | -181 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 | -0.01% | 0.00% | 0.00% | 0.00% | 0.01% | 0.05% | 0.33% | 0.34% | +34 bps | |
| Allowance / Loans | 1.27% | 1.26% | 1.22% | 1.25% | 1.26% | 1.30% | 1.18% | 1.32% | +7 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 | 11.52% | 11.50% | 11.69% | 11.73% | 12.03% | 12.22% | 11.64% | 11.95% | +21 bps | |
| Equity / Assets | 7.41% | 7.39% | 7.57% | 7.70% | 7.70% | 8.14% | 8.07% | 8.10% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.43% | 82.02% | 88.56% | 85.72% | 79.66% | 82.53% | 81.12% | 81.24% | -448 bps | |
| Liquid Assets / Assets | 0.83% | 1.13% | 0.00% | 0.02% | 2.70% | 0.93% | 0.66% | 2.58% | +257 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |