South Portland, ME · Cert 33987
FDIC
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 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.
South Portland, ME · Cert 33987
FDIC
Q4 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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 24.85% | 29.86% | 27.96% | 27.42% | 29.11% | 9.78% | 15.03% | 13.37% | -1,405 bps | |
| Return on Equity | 39.96% | 42.73% | 40.03% | 38.20% | 39.99% | 18.72% | 31.18% | 27.18% | -1,102 bps | |
| Net Interest Margin | 1.00% | 1.15% | 1.07% | 0.96% | 0.95% | 0.49% | 0.73% | 0.87% | -8 bps | |
| Efficiency Ratio | 22.12% | 20.53% | 21.98% | 25.66% | 26.55% | 24.39% | 24.24% | 25.02% | -64 bps | |
| Non-Interest Burden | -40.61% | -52.80% | -48.54% | -41.65% | -44.00% | -15.20% | -18.20% | -15.45% | +2,620 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.35% | -56.27% | 22.65% | -33.62% | 21.86% | 191.87% | 123.25% | 103.72% | +13,734 bps | |
| Loan Growth (YoY) | 1904% | -89.71% | 114.29% | -62.02% | -82.44% | 319% | 583% | -90.28% | -2,827 bps | |
| Deposit Growth (YoY) | -50.60% | -95.84% | 265% | -90.94% | -50.92% | 6.29% | 67.72% | -43.97% | +4,697 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| 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 | 314% | 403% | 314% | 331% | 314% | 168.06% | 199.31% | 263% | -6,799 bps | |
| Equity / Assets | 78.61% | 91.71% | 69.65% | 80.63% | 66.44% | 34.63% | 40.49% | 52.67% | -2,797 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.61% | 4.26% | 0.48% | 34.17% | 27.41% | 16.81% | 1.95% | 5.92% | -2,825 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 |