Wolfeboro, NH · Cert 33011
FDIC
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 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.
Wolfeboro, NH · Cert 33011
FDIC
Q3 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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.83% | 1.59% | 1.65% | 1.65% | 1.61% | 1.54% | 1.39% | 1.33% | -32 bps | |
| Return on Equity | 19.18% | 15.71% | 16.43% | 16.47% | 16.08% | 15.01% | 13.50% | 12.74% | -373 bps | |
| Net Interest Margin | 5.05% | 4.84% | 4.79% | 4.77% | 4.79% | 4.72% | 4.75% | 4.86% | +8 bps | |
| Efficiency Ratio | 45.21% | 48.52% | 48.06% | 48.10% | 47.59% | 49.45% | 55.12% | 55.99% | +790 bps | |
| Non-Interest Burden | 2.10% | 2.19% | 2.15% | 2.14% | 2.12% | 2.19% | 2.49% | 2.59% | +45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.92% | -2.05% | -0.38% | -0.15% | 2.54% | -0.66% | -4.45% | -8.25% | -810 bps | |
| Loan Growth (YoY) | -2.95% | -3.65% | 0.80% | 0.17% | 2.17% | 0.59% | -4.98% | -8.98% | -914 bps | |
| Deposit Growth (YoY) | -9.45% | -7.11% | -8.04% | -3.40% | 2.33% | 3.72% | 2.91% | -0.11% | +329 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 | 0.02% | 0.09% | 0.07% | 0.04% | 0.06% | 0.14% | 0.17% | 0.15% | +11 bps | |
| Allowance / Loans | 1.55% | 1.54% | 1.47% | 1.47% | 1.51% | 1.50% | 1.51% | 1.55% | +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 | 12.72% | 12.54% | 12.48% | 12.42% | 12.79% | 13.03% | 13.29% | 13.87% | +146 bps | |
| Equity / Assets | 10.07% | 10.23% | 9.83% | 10.00% | 10.09% | 10.48% | 10.32% | 10.98% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 117.86% | 119.36% | 120.42% | 117.96% | 117.67% | 115.76% | 111.18% | 107.49% | -1,047 bps | |
| Liquid Assets / Assets | 0.04% | 0.04% | 0.03% | 0.03% | 0.03% | 0.04% | 0.04% | 0.04% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |