Portland, ME · Cert 33525
FDIC
Q4 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2008, the quarter ended December 31, 2008, 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.
Portland, ME · Cert 33525
FDIC
Q4 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.55% | 1.56% | 1.52% | 1.39% | 0.61% | 0.85% | 0.82% | 0.79% | -60 bps | |
| Return on Equity | 11.65% | 11.59% | 11.35% | 10.47% | n/a | n/a | n/a | n/a | n/a | |
| Net Interest Margin | 4.88% | 4.98% | 4.91% | 4.83% | n/a | n/a | n/a | n/a | n/a | |
| Efficiency Ratio | 63.95% | 63.76% | 63.54% | 63.91% | n/a | n/a | n/a | n/a | n/a | |
| Non-Interest Burden | 2.59% | 2.61% | 2.55% | 2.52% | n/a | n/a | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.14% | 3.05% | 3.67% | 1.12% | 13.93% | 14.09% | 8.96% | 10.59% | +947 bps | |
| Loan Growth (YoY) | 4.57% | 4.63% | 7.66% | 7.15% | 5.50% | 0.91% | -3.17% | -1.09% | -824 bps | |
| Deposit Growth (YoY) | 3.64% | 5.01% | 4.22% | -11.88% | -8.72% | -8.51% | -8.70% | -1.07% | +1,081 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 | -0.16% | -0.11% | 0.01% | 0.01% | n/a | n/a | n/a | n/a | n/a | |
| Allowance / Loans | 1.41% | 1.31% | 1.24% | 1.44% | 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 | 11.40% | 11.78% | 11.46% | 11.03% | n/a | n/a | n/a | n/a | n/a | |
| Equity / Assets | 13.46% | 13.70% | 13.16% | 12.90% | n/a | n/a | n/a | n/a | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.03% | 95.98% | 98.20% | 109.27% | 108.67% | 105.86% | 104.15% | 109.25% | -2 bps | |
| 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 |