Kennebunk, ME · Cert 4264
FDIC
Q4 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.71% | 0.83% | 0.70% | 0.52% | 0.63% | 0.66% | 0.64% | -6 bps | |
| Return on Equity | 4.82% | 3.71% | 4.30% | 3.53% | n/a | n/a | n/a | n/a | n/a | |
| Net Interest Margin | 3.63% | 3.67% | 3.76% | 3.38% | n/a | n/a | n/a | n/a | n/a | |
| Efficiency Ratio | 61.68% | 62.57% | 61.31% | 67.53% | n/a | n/a | n/a | n/a | n/a | |
| Non-Interest Burden | 2.15% | 2.20% | 2.20% | 2.23% | n/a | n/a | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.58% | -3.72% | -4.02% | 27.81% | 43.82% | 43.85% | 46.26% | 9.84% | -1,797 bps | |
| Loan Growth (YoY) | 4.13% | 1.72% | 2.43% | 38.08% | 30.85% | 29.37% | 24.99% | -6.91% | -4,499 bps | |
| Deposit Growth (YoY) | -4.78% | -1.49% | -2.92% | 28.89% | 29.85% | 27.74% | 26.63% | -5.19% | -3,408 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 | 0.05% | 0.05% | 0.07% | 0.10% | n/a | n/a | n/a | n/a | n/a | |
| Allowance / Loans | 1.32% | 1.35% | 1.36% | 1.35% | n/a | n/a | 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 | 10.70% | 10.87% | 11.73% | 11.35% | n/a | n/a | n/a | n/a | n/a | |
| Equity / Assets | 18.98% | 18.88% | 20.00% | 21.12% | n/a | n/a | n/a | n/a | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.98% | 87.54% | 90.59% | 94.48% | 90.68% | 88.66% | 89.42% | 92.77% | -171 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |