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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 19.79% | 71.27% | 10.44% | 12.23% | 11.66% | -813 bps | |
| Return on Equity | 24.15% | 93.10% | 13.65% | 15.21% | 14.10% | -1,005 bps | |
| Net Interest Margin | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | +1 bps | |
| Efficiency Ratio | 41.32% | 11.93% | 28.10% | 27.26% | 28.48% | -1,284 bps | |
| Non-Interest Burden | -30.29% | -72.73% | -15.21% | -20.95% | -19.12% | +1,117 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 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 |
| Deposit Growth (YoY) | 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 |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 285% | 264% | 354% | 332% | 310% | +2,533 bps | |
| Equity / Assets | 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 |
| Liquid Assets / Assets | 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 |