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Bow Mills Bank and Trust

Bow, NH · Cert 27437

FDIC

Q1 2007

$123.6MAssets
$91.9MLoans
$113.1MDeposits
$10.0MEquity
Loan mix
83%RE $61.9M17%C&I $12.9M0%Consumer $0.1MQ1 2006Q1 2007
Deposit mix
86%Interest-bearing $97.8M14%Noninterest $15.3MQ1 2006Q1 2007

NIM

4.91%Q1 ’055.41%Q1 ’066.32%Q1 ’07-4%+8%

Non-interest income vs. expense

4.43%Q1 ’054.32%Q1 ’065.08%Q1 ’07-2%+28%

Executive Summary

  • Earnings: ROA of -0.25%, down 66 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.34%.
  • Funding: loans stand at 81.24% of deposits as of Q1 2007.

Financial Results

Return on Assets (YTD, annualized)

-0.25%-66 bps YoY

Net Interest Margin (YTD, annualized)

4.17%+32 bps YoY

Efficiency Ratio (YTD, annualized)

97.95%+1,146 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets0.40%0.75%0.65%0.29%-0.25%-66 bps
Return on Equity5.29%9.82%8.33%3.75%-3.15%-844 bps
Net Interest Margin3.85%3.89%4.05%4.12%4.17%+32 bps
Efficiency Ratio86.49%80.16%82.22%89.40%97.95%+1,146 bps
Non-Interest Burden3.18%2.81%3.08%3.54%4.06%+88 bps
Growth
Asset Growth (YoY)5.55%6.27%0.76%0.72%-0.11%-566 bps
Loan Growth (YoY)6.85%6.30%3.82%-0.42%-1.83%-867 bps
Deposit Growth (YoY)5.39%6.00%3.18%8.72%3.58%-181 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.01%0.05%0.33%0.34%+34 bps
Allowance / Loans1.25%1.26%1.30%1.18%1.32%+7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.73%12.03%12.22%11.64%11.95%+21 bps
Equity / Assets7.70%7.70%8.14%8.07%8.10%+40 bps
Liquidity & Funding
Loans / Deposits85.72%79.66%82.53%81.12%81.24%-448 bps
Liquid Assets / Assets0.02%2.70%0.93%0.66%2.58%+257 bps
CRE / Total Capitaln/an/an/an/an/an/an/a