Bangor, ME · Cert 33704
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 | 1.39% | -0.96% | -0.19% | 0.12% | 0.30% | 0.49% | 0.48% | 0.50% | +38 bps | |
| Return on Equity | 17.19% | -7.67% | -1.28% | 0.74% | n/a | n/a | n/a | n/a | n/a | |
| Net Interest Margin | 3.82% | 0.56% | 1.42% | 1.86% | n/a | n/a | n/a | n/a | n/a | |
| Efficiency Ratio | 58.22% | 276% | 108.28% | 84.94% | n/a | n/a | n/a | n/a | n/a | |
| Non-Interest Burden | 1.67% | 1.82% | 1.64% | 1.57% | n/a | n/a | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.28% | 20.94% | 19.39% | 18.38% | 30.45% | 13.78% | 12.02% | 13.20% | -518 bps | |
| Loan Growth (YoY) | 8.54% | 8.56% | 10.69% | 8.21% | 1.24% | 0.26% | -0.27% | 0.65% | -756 bps | |
| Deposit Growth (YoY) | 5.20% | 2.91% | -2.48% | -4.01% | 0.12% | -16.06% | -16.51% | -15.30% | -1,129 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 | 0.13% | 0.04% | 0.06% | 0.14% | n/a | n/a | n/a | n/a | n/a | |
| Allowance / Loans | 1.14% | 1.10% | 1.10% | 1.14% | 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 | 12.06% | 10.55% | 11.08% | 11.55% | n/a | n/a | n/a | n/a | n/a | |
| Equity / Assets | 8.22% | 20.26% | 20.53% | 20.82% | n/a | n/a | n/a | n/a | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.27% | 100.15% | 104.39% | 105.92% | 101.39% | 119.63% | 124.71% | 125.86% | +1,994 bps | |
| Liquid Assets / Assets | 1.54% | 1.28% | 1.25% | 1.25% | 0.00% | 0.00% | 0.00% | 0.00% | -125 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |