Peterborough, NH · Cert 34167
FDIC
Q1 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.04% | -1.99% | -1.57% | -7.55% | -196.56% | -19,452 bps | |
| Return on Equity | n/a | -23.64% | -18.74% | -87.67% | -255% | n/a | |
| Net Interest Margin | 2.07% | 2.13% | 2.06% | 2.03% | 0.00% | -207 bps | |
| Efficiency Ratio | 217% | 185.37% | 170.50% | 284% | n/a | n/a | |
| Non-Interest Burden | 4.76% | 4.11% | 3.64% | 5.93% | 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 / Loans | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | -0.07% | 0.37% | 0.78% | 0.33% | n/a | n/a | |
| Allowance / Loans | 1.44% | 1.40% | 1.26% | n/a | n/a | n/a | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 18.05% | 17.50% | 17.13% | 2957% | 0.00% | -1,805 bps | |
| Equity / Assets | 8.45% | 8.41% | 8.35% | 100.00% | 53.50% | +4,505 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 107.12% | 113.45% | 111.81% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 10.79% | 10.08% | 11.05% | 0.00% | 0.00% | -1,079 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |