Bar Harbor, ME · Cert 4247
FDIC
Q4 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 1.02% | 1.01% | 0.91% | 1.06% | 0.95% | 1.12% | 1.16% | +25 bps | |
| Return on Equity | 13.67% | 13.84% | 14.21% | 13.19% | 14.90% | 13.48% | 16.27% | 16.16% | +298 bps | |
| Net Interest Margin | 3.96% | 4.06% | 3.75% | 3.49% | 3.67% | 3.62% | 3.85% | 3.90% | +41 bps | |
| Efficiency Ratio | 71.16% | 71.63% | 73.44% | 74.22% | 70.86% | 73.39% | 72.83% | 71.64% | -258 bps | |
| Non-Interest Burden | 2.42% | 2.47% | 2.14% | 2.14% | 2.13% | 2.25% | 2.23% | 2.30% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.55% | 3.34% | 7.65% | 12.35% | 11.22% | 13.53% | 9.42% | 4.41% | -794 bps | |
| Loan Growth (YoY) | 7.63% | 3.55% | 7.92% | 8.25% | 8.42% | 14.41% | 14.83% | 14.53% | +628 bps | |
| Deposit Growth (YoY) | 14.02% | 11.86% | 9.77% | 14.60% | 16.18% | 9.67% | 9.21% | 1.88% | -1,272 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.04% | 0.04% | 0.01% | 0.03% | 0.10% | -0.05% | 0.27% | +27 bps | |
| Allowance / Loans | 1.15% | 1.21% | 1.19% | 1.23% | 1.20% | 1.16% | 1.16% | 1.08% | -15 bps | |
| 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 | 10.75% | 10.89% | 10.83% | 10.50% | 10.44% | 10.05% | 10.57% | 10.69% | +19 bps | |
| Equity / Assets | 7.30% | 7.42% | 6.88% | 6.92% | 7.28% | 6.86% | 6.96% | 7.43% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.88% | 91.48% | 84.21% | 87.29% | 90.41% | 95.42% | 88.55% | 98.13% | +1,084 bps | |
| Liquid Assets / Assets | 0.28% | 0.35% | 0.25% | 0.22% | 0.22% | 0.21% | 0.20% | 0.18% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |