Nashua, NH · Cert 58627
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Nashua, NH · Cert 58627
FDIC
Q3 2012
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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.08% | 0.13% | 0.21% | 0.23% | 0.35% | 0.35% | 0.23% | +3 bps | |
| Return on Equity | 5.51% | 0.71% | 1.18% | 1.74% | 1.84% | 2.54% | 2.48% | 1.67% | -7 bps | |
| Net Interest Margin | 3.09% | 3.33% | 3.61% | 3.53% | 3.52% | 3.94% | 3.82% | 3.76% | +24 bps | |
| Efficiency Ratio | 91.72% | 91.24% | 88.11% | 85.61% | 83.66% | 81.47% | 82.56% | 87.49% | +187 bps | |
| Non-Interest Burden | 2.83% | 3.03% | 3.17% | 3.01% | 2.94% | 3.20% | 3.14% | 3.28% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.58% | -2.43% | 5.03% | -1.11% | 4.30% | 1.75% | 6.32% | 4.85% | +596 bps | |
| Loan Growth (YoY) | 27.57% | 20.68% | 23.02% | 21.97% | 26.00% | 28.49% | 19.37% | 15.38% | -659 bps | |
| Deposit Growth (YoY) | 12.98% | -0.64% | 6.51% | -4.20% | 3.14% | -3.12% | 4.81% | 6.56% | +1,076 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 | 0.00% | 0.08% | 0.04% | 0.03% | 0.04% | -0.03% | -0.02% | -0.01% | -4 bps | |
| Allowance / Loans | 1.33% | 1.32% | 1.32% | 1.33% | 1.31% | 1.29% | 1.30% | 1.32% | 0 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 | 20.97% | 20.80% | 19.35% | 24.07% | 22.69% | 22.71% | 22.55% | 22.39% | -168 bps | |
| Equity / Assets | 11.22% | 10.79% | 11.53% | 14.02% | 14.01% | 13.90% | 13.97% | 13.69% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.36% | 66.54% | 76.72% | 77.79% | 82.29% | 88.26% | 87.37% | 84.23% | +644 bps | |
| Liquid Assets / Assets | 3.57% | 10.36% | 2.93% | 5.94% | 1.92% | 2.76% | 3.89% | 7.06% | +112 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |