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Hampshire First Bank

Manchester, NH · Cert 58394

FDIC

Q1 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2012, the quarter ended March 31, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hampshire First Bank

Manchester, NH · Cert 58394

FDIC

Q1 2012

$271.8MAssets
$226.8MLoans
$222.8MDeposits
$29.8MEquity
Loan mix
83%RE $112.2M17%C&I $22.3M0%Consumer $0.1MQ1 2011Q1 2012
Deposit mix
93%Interest-bearing $206.9M7%Noninterest $15.9MQ1 2011Q1 2012

NIM

5.09%Q1 ’105.01%Q1 ’114.81%Q1 ’12+5%-1%

Non-interest income vs. expense

2.57%Q1 ’102.32%Q1 ’112.22%Q1 ’12-12%-12%

Executive Summary

  • Earnings: ROA of 0.90%, up 28 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 101.81% of deposits as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

0.90%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.50%-5 bps YoY

Efficiency Ratio (YTD, annualized)

58.17%-461 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets0.62%0.64%0.72%0.60%0.90%+28 bps
Return on Equity5.45%5.79%6.58%5.56%8.29%+284 bps
Net Interest Margin3.54%3.30%3.29%3.30%3.50%-5 bps
Efficiency Ratio62.79%62.28%60.06%63.41%58.17%-461 bps
Non-Interest Burden2.18%2.00%1.91%2.02%1.91%-26 bps
Growth
Asset Growth (YoY)30.77%34.75%24.27%16.21%8.87%-2,189 bps
Loan Growth (YoY)32.67%32.29%21.49%12.22%7.76%-2,491 bps
Deposit Growth (YoY)37.40%40.79%30.00%19.34%10.64%-2,676 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.13%0.09%0.01%+1 bps
Allowance / Loans1.37%1.38%1.32%1.38%1.44%+7 bps
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 Capital14.26%13.91%14.00%13.98%14.30%+3 bps
Equity / Assets11.09%10.48%10.69%10.67%10.96%-13 bps
Liquidity & Funding
Loans / Deposits104.53%98.79%100.68%102.25%101.81%-272 bps
Liquid Assets / Assets0.13%0.21%0.59%0.58%0.59%+46 bps
CRE / Total Capitaln/an/an/an/an/an/an/a