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 $500KQ3 2002Q2 2004

Executive Summary

  • Earnings: ROA of 0.46%, down 16 bps year over year; NIM at 0.90%.
  • Funding: loans stand at 0.00% of deposits as of Q2 2004.

Return on Assets (YTD, annualized)

0.46%-16 bps YoY

Net Interest Margin (YTD, annualized)

0.90%-23 bps YoY

Efficiency Ratio (YTD, annualized)

15.69%+631 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

1.42%Q2 ’021.13%Q2 ’030.90%Q2 ’04-20%-21%

Non-interest income vs. expense

0.11%Q2 ’020.11%Q2 ’030.14%Q2 ’04-3%+33%

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets0.77%0.77%0.57%0.62%0.55%0.56%0.42%0.46%-16 bps
Return on Equity0.80%0.80%0.60%0.65%0.58%0.58%0.44%0.48%-17 bps
Net Interest Margin1.40%1.37%1.13%1.13%1.06%1.03%0.92%0.90%-23 bps
Efficiency Ratio10.17%7.74%18.75%9.38%13.33%10.26%23.08%15.69%+631 bps
Non-Interest Burden0.14%0.11%0.21%0.11%0.14%0.11%0.21%0.14%+3 bps
Growth
Asset Growth (YoY)6.05%5.48%0.80%0.75%0.51%0.52%0.51%0.49%-26 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/a0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital488%489%489%489%488%487%488%487%-236 bps
Equity / Assets95.10%95.12%95.09%95.16%95.21%95.18%95.13%95.18%+2 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a