Kennebunk, ME · Cert 57467
FDIC
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Kennebunk, ME · Cert 57467
FDIC
Q2 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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.02% | -0.53% | -0.47% | -0.59% | -1.64% | -1.78% | -3.51% | -304 bps | |
| Return on Equity | 2.70% | 0.26% | -7.50% | -7.02% | -9.00% | -25.60% | -34.12% | -71.35% | -6,433 bps | |
| Net Interest Margin | 3.73% | 3.53% | 3.75% | 3.47% | 3.30% | 3.27% | 3.52% | 3.13% | -34 bps | |
| Efficiency Ratio | 86.23% | 93.19% | 116.02% | 112.30% | 116.22% | 124.04% | 141.45% | 149.79% | +3,748 bps | |
| Non-Interest Burden | 3.19% | 3.28% | 4.38% | 3.93% | 3.88% | 4.12% | 5.05% | 4.76% | +83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 31.84% | 25.73% | 26.82% | 21.20% | 15.48% | 7.47% | 9.43% | -11.47% | -3,267 bps | |
| Loan Growth (YoY) | 39.25% | 25.89% | 14.02% | 11.26% | 6.52% | 4.91% | 6.21% | -2.64% | -1,389 bps | |
| Deposit Growth (YoY) | 36.22% | 31.83% | 33.08% | 29.08% | 23.57% | 15.27% | 12.47% | -6.00% | -3,508 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 | 0.11% | 0.08% | 0.47% | 0.22% | 0.17% | 0.13% | -0.35% | 1.21% | +99 bps | |
| Allowance / Loans | 0.89% | 0.94% | 0.88% | 0.93% | 1.03% | 1.10% | 1.28% | 1.60% | +67 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 | 8.90% | 9.52% | 8.94% | 8.36% | 8.12% | 7.82% | 7.25% | 6.11% | -225 bps | |
| Equity / Assets | 7.65% | 7.25% | 6.77% | 6.31% | 6.15% | 5.61% | 4.86% | 4.24% | -207 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.17% | 97.81% | 90.71% | 88.71% | 86.35% | 89.02% | 85.66% | 91.89% | +318 bps | |
| Liquid Assets / Assets | 1.08% | 0.83% | 1.02% | 0.79% | 1.02% | 0.78% | 0.97% | 1.42% | +63 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |