Presque Isle, ME · Cert 32940
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Presque Isle, ME · Cert 32940
FDIC
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.54% | 0.52% | 0.57% | 0.57% | 0.47% | 0.38% | -0.52% | -109 bps | |
| Return on Equity | 6.03% | 5.77% | 5.50% | 6.09% | 6.07% | 5.04% | 4.11% | -5.69% | -1,178 bps | |
| Net Interest Margin | 4.19% | 4.30% | 4.34% | 4.35% | 4.00% | 4.01% | 3.97% | 4.00% | -35 bps | |
| Efficiency Ratio | 78.19% | 79.09% | 79.12% | 78.02% | 82.79% | 82.69% | 84.22% | 100.02% | +2,199 bps | |
| Non-Interest Burden | 3.16% | 3.28% | 3.30% | 3.26% | 3.21% | 3.20% | 3.24% | 4.00% | +75 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.53% | -4.28% | -5.21% | -3.90% | -0.83% | 5.94% | 4.74% | 1.53% | +543 bps | |
| Loan Growth (YoY) | 0.28% | 0.24% | 0.62% | 4.20% | 5.46% | 11.51% | 11.55% | 6.68% | +247 bps | |
| Deposit Growth (YoY) | -2.56% | -5.39% | -6.75% | -7.40% | -2.74% | 5.13% | 4.58% | 5.33% | +1,273 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 | 0.15% | 0.19% | 0.25% | 0.30% | 0.49% | 0.31% | 0.37% | 0.28% | -2 bps | |
| Allowance / Loans | 1.20% | 1.19% | 1.19% | 1.13% | 1.06% | 1.04% | 0.98% | 1.92% | +79 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 | 15.95% | 16.09% | 16.03% | 16.05% | 16.08% | 15.77% | 15.71% | 14.79% | -125 bps | |
| Equity / Assets | 9.08% | 9.61% | 9.63% | 9.53% | 9.30% | 8.92% | 9.27% | 8.75% | -78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.52% | 74.84% | 78.02% | 81.15% | 76.47% | 79.38% | 83.22% | 82.19% | +104 bps | |
| Liquid Assets / Assets | 0.20% | 0.75% | 0.00% | 0.00% | 2.30% | 2.89% | 0.02% | 0.90% | +90 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |