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Monadnock Community Bank

Peterborough, NH · Cert 34167

FDIC

Q1 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2013, the quarter ended March 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Monadnock Community Bank

Peterborough, NH · Cert 34167

FDIC

Q1 2013

$200KAssets
n/aLoans
n/aDeposits
$107KEquity
Loan mix
92%RE $39.2M6%C&I $2.6M2%Consumer $0.6MQ1 2012Q1 2013
Deposit mix
89%Interest-bearing $011%Noninterest $0Q1 2012Q1 2013

NIM

3.79%Q1 ’120.00%Q1 ’13-100%

Non-interest income vs. expense

5.00%Q1 ’1266.02%Q1 ’13+1286%

Executive Summary

  • Earnings: ROA of -196.56%, down 19,452 bps year over year; NIM at 0.00%.

Financial Results

Return on Assets (YTD, annualized)

-196.56%-19,452 bps YoY

Net Interest Margin (YTD, annualized)

0.00%-207 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets-2.04%-2.02%-1.87%-2.87%-196.56%-19,452 bps
Return on Equityn/an/an/an/a-255%n/an/a
Net Interest Margin2.07%2.14%2.18%2.21%0.00%-207 bps
Efficiency Ratio217%201%191.75%212%n/an/a
Non-Interest Burden4.76%4.54%4.37%4.90%66.02%+6,126 bps
Growth
Asset Growth (YoY)-17.69%-20.15%-16.48%-99.75%-99.75%-8,206 bps
Loan Growth (YoY)-14.92%-9.41%-10.97%-100.00%-100.00%-8,508 bps
Deposit Growth (YoY)-9.48%-15.52%-11.90%-100.00%-100.00%-9,052 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%n/an/an/a
Net Charge-Offs / Loans-0.07%0.15%0.36%0.33%n/an/a
Allowance / Loans1.44%1.40%1.26%n/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital18.05%17.50%17.13%2957%0.00%-1,805 bps
Equity / Assets8.45%8.41%8.35%100.00%53.50%+4,505 bps
Liquidity & Funding
Loans / Deposits107.12%113.45%111.81%n/an/an/a
Liquid Assets / Assets10.79%10.08%11.05%0.00%0.00%-1,079 bps
CRE / Total Capitaln/an/an/an/an/an/an/a