Peterborough, NH · Cert 34167
FDIC
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.41% | -1.25% | -2.86% | -2.04% | -2.02% | -1.87% | -2.87% | -196.56% | -19,452 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -255% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 2.07% | 2.14% | 2.18% | 2.21% | 0.00% | -207 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 217% | 201% | 191.75% | 212% | n/a | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | 4.76% | 4.54% | 4.37% | 4.90% | 66.02% | +6,126 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.27% | -20.36% | -20.27% | -17.69% | -20.15% | -16.48% | -99.75% | -99.75% | -8,206 bps | |
| Loan Growth (YoY) | -26.32% | -24.45% | -18.66% | -14.92% | -9.41% | -10.97% | -100.00% | -100.00% | -8,508 bps | |
| Deposit Growth (YoY) | -14.84% | -21.10% | -10.89% | -9.48% | -15.52% | -11.90% | -100.00% | -100.00% | -9,052 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | -0.07% | 0.15% | 0.36% | 0.33% | n/a | n/a | |
| Allowance / Loans | n/a | n/a | n/a | 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 | 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 | n/a | n/a | n/a | 18.05% | 17.50% | 17.13% | 2957% | 0.00% | -1,805 bps | |
| Equity / Assets | n/a | n/a | n/a | 8.45% | 8.41% | 8.35% | 100.00% | 53.50% | +4,505 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.80% | 110.64% | 103.73% | 107.12% | 113.45% | 111.81% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |