Manchester, NH · Cert 33381
FDIC
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Manchester, NH · Cert 33381
FDIC
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 30.37% | 18.50% | 19.16% | 19.79% | 71.27% | 10.44% | 12.23% | 11.66% | -813 bps | |
| Return on Equity | 42.25% | 23.28% | 23.36% | 24.15% | 93.10% | 13.65% | 15.21% | 14.10% | -1,005 bps | |
| Net Interest Margin | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | +1 bps | |
| Efficiency Ratio | 43.01% | 40.03% | 42.06% | 41.32% | 11.93% | 28.10% | 27.26% | 28.48% | -1,284 bps | |
| Non-Interest Burden | -31.93% | -33.10% | -31.72% | -30.29% | -72.73% | -15.21% | -20.95% | -19.12% | +1,117 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 62.70% | 3.04% | 3.66% | 15.13% | 129.60% | 127.99% | 110.15% | 88.14% | +7,301 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 184.05% | 333% | 320% | 285% | 264% | 354% | 332% | 310% | +2,533 bps | |
| Equity / Assets | 69.75% | 91.51% | 87.20% | 81.69% | 67.79% | 87.43% | 88.88% | 89.88% | +819 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 |