PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

State Street Bank and Trust Company of New Hampshire, N.A.

Manchester, NH · Cert 33381

FDIC

Q3 2004

$52.2MAssets
n/aLoans
n/aDeposits
$46.9MEquity

Executive Summary

  • Earnings: ROA of 10.69%, down 1,093 bps year over year; NIM at 0.01%.

Return on Assets (quarter, annualized)

10.69%-1,093 bps YoY

Net Interest Margin (quarter, annualized)

0.01%+1 bps YoY

Efficiency Ratio (quarter, annualized)

31.26%-876 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.00%Q3 ’020.00%Q3 ’030.01%Q3 ’04

Non-interest income vs. expense

23.67%Q3 ’0222.29%Q3 ’037.66%Q3 ’04+49%+50%

Discrete quarter, annualized.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets13.63%18.50%20.92%21.62%173.66%10.44%14.75%10.69%-1,093 bps
Return on Equity18.89%23.28%23.45%25.66%241%13.65%16.73%11.97%-1,369 bps
Net Interest Margin0.00%0.00%0.00%0.00%0.00%0.01%0.00%0.01%+1 bps
Efficiency Ratio53.11%40.03%43.80%40.01%2.56%28.10%26.59%31.26%-876 bps
Non-Interest Burden-23.73%-33.10%-33.15%-33.42%-244%-15.21%-23.47%-16.85%+1,658 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/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital184.05%333%320%285%264%354%332%310%+2,533 bps
Equity / Assets69.75%91.51%87.20%81.69%67.79%87.43%88.88%89.88%+819 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a