PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Harris Bank (NH), National Association

Nashua, NH · Cert 34504

FDIC

Q2 2004

$11.4MAssets
n/aLoans
$500KDeposits
$10.8MEquity
Deposit mix
0%Interest-bearing $0K100%Noninterest $500KQ2 2003Q2 2004

NIM

1.42%Q2 ’021.13%Q2 ’030.88%Q2 ’04-20%-22%

Non-interest income vs. expense

0.00%Q2 ’020.00%Q2 ’030.07%Q2 ’04

Executive Summary

  • Earnings: ROA of 0.49%, down 18 bps year over year; NIM at 0.88%.
  • Funding: loans stand at 0.00% of deposits as of Q2 2004.

Financial Results

Return on Assets (quarter, annualized)

0.49%-18 bps YoY

Net Interest Margin (quarter, annualized)

0.88%-25 bps YoY

Efficiency Ratio (quarter, annualized)

8.00%+800 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets0.67%0.42%0.56%0.42%0.49%-18 bps
Return on Equity0.71%0.45%0.59%0.44%0.52%-19 bps
Net Interest Margin1.13%0.92%0.95%0.92%0.88%-25 bps
Efficiency Ratio0.00%23.08%0.00%23.08%8.00%+800 bps
Non-Interest Burden0.00%0.21%0.00%0.21%0.07%+7 bps
Growth
Asset Growth (YoY)0.75%0.51%0.52%0.51%0.49%-26 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/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 Capital489%488%487%488%487%-236 bps
Equity / Assets95.16%95.21%95.18%95.13%95.18%+2 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a