Nashua, NH · Charter 3433
Q3 1996
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q1 1995 | Q2 1995 | Q3 1995 | Q4 1995 | Q1 1996 | Q2 1996 | Q3 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.10% | 4.32% | 4.47% | 4.53% | 4.70% | 4.94% | 4.87% | n/a | n/a | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 3.59% | 3.67% | 6.50% | 9.63% | 10.06% | 10.15% | 6.74% | +24 bps | |
| Loan Growth (YoY) | n/a | 11.09% | 8.12% | 4.94% | 5.10% | 5.95% | 11.96% | 13.56% | +863 bps | |
| Share Growth (YoY) | n/a | 2.43% | 2.21% | 5.39% | 8.59% | 9.65% | 8.92% | 6.18% | +79 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.39% | 0.49% | 0.41% | 0.50% | 0.38% | 0.26% | 0.15% | -26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.51% | 0.49% | 0.49% | 0.50% | 0.47% | 0.42% | 0.44% | 0.37% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.28% | 74.83% | 73.74% | 71.74% | 72.86% | 72.30% | 75.79% | 76.73% | +499 bps | |
| Liquid Assets / Assets | 15.97% | 16.95% | 17.72% | 17.27% | 15.45% | 12.58% | 10.12% | 11.58% | -569 bps | |