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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

4.25%Q3 ’104.60%Q3 ’114.49%Q3 ’12+17%+2%

Non-interest income vs. expense

3.13%Q3 ’103.05%Q3 ’113.74%Q3 ’12-3%+23%

Executive Summary

  • Earnings: ROA of 0.01%, down 35 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 84.23% of deposits as of Q3 2012.

Financial Results

Return on Assets (quarter, annualized)

0.01%-35 bps YoY

Net Interest Margin (quarter, annualized)

3.78%+8 bps YoY

Efficiency Ratio (quarter, annualized)

97.30%+1,630 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.36%0.28%0.35%0.34%0.01%-35 bps
Return on Equity2.81%2.02%2.54%2.44%0.07%-274 bps
Net Interest Margin3.70%3.81%3.94%3.80%3.78%+8 bps
Efficiency Ratio81.00%78.39%81.47%83.66%97.30%+1,630 bps
Non-Interest Burden2.98%2.98%3.20%3.17%3.68%+69 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 / Loans0.00%0.09%-0.03%0.00%0.00%0 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