PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Nashua Bank, The

Nashua, NH · Cert 58627

FDIC

Q3 2012

$121.3MAssets
$85.6MLoans
$101.6MDeposits
$16.6MEquity
Loan mix
82%RE $55.4M17%C&I $11.1M1%Consumer $0.9MQ3 2011Q3 2012
Deposit mix
87%Interest-bearing $88.4M13%Noninterest $13.2MQ3 2011Q3 2012

NIM

4.31%Q3 ’104.43%Q3 ’114.47%Q3 ’12+12%+7%

Non-interest income vs. expense

2.88%Q3 ’103.06%Q3 ’113.35%Q3 ’12+6%+9%

Executive Summary

  • Earnings: ROA of 0.23%, up 3 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 84.23% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

0.23%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+24 bps YoY

Efficiency Ratio (YTD, annualized)

87.49%+187 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.21%0.23%0.35%0.35%0.23%+3 bps
Return on Equity1.74%1.84%2.54%2.48%1.67%-7 bps
Net Interest Margin3.53%3.52%3.94%3.82%3.76%+24 bps
Efficiency Ratio85.61%83.66%81.47%82.56%87.49%+187 bps
Non-Interest Burden3.01%2.94%3.20%3.14%3.28%+27 bps
Growth
Asset Growth (YoY)-1.11%4.30%1.75%6.32%4.85%+596 bps
Loan Growth (YoY)21.97%26.00%28.49%19.37%15.38%-659 bps
Deposit Growth (YoY)-4.20%3.14%-3.12%4.81%6.56%+1,076 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.04%-0.03%-0.02%-0.01%-4 bps
Allowance / Loans1.33%1.31%1.29%1.30%1.32%0 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 Capital24.07%22.69%22.71%22.55%22.39%-168 bps
Equity / Assets14.02%14.01%13.90%13.97%13.69%-33 bps
Liquidity & Funding
Loans / Deposits77.79%82.29%88.26%87.37%84.23%+644 bps
Liquid Assets / Assets5.94%1.92%2.76%3.89%7.06%+112 bps
CRE / Total Capitaln/an/an/an/an/an/an/a