Berlin, NH · Charter 60306
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 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.
Berlin, NH · Charter 60306
Q4 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.09% | -0.21% | -0.37% | -0.55% | -0.72% | -0.71% | -0.70% | -33 bps | |
| Return on Equity | 0.39% | 0.35% | -0.97% | -1.75% | -2.72% | -3.64% | -3.59% | -4.37% | -261 bps | |
| Net Interest Margin | 3.84% | 3.76% | 3.77% | 3.80% | 3.64% | 3.58% | 3.55% | 3.51% | -29 bps | |
| Efficiency Ratio | 94.19% | 96.29% | 101.03% | 101.52% | 104.99% | 108.42% | 107.47% | 109.23% | +770 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.48% | 1.11% | 18.00% | 20.34% | 23.75% | 23.50% | 3.35% | 3.75% | -1,660 bps | |
| Loan Growth (YoY) | -5.69% | -5.58% | 17.18% | 19.83% | 20.82% | 18.36% | -2.60% | -3.07% | -2,290 bps | |
| Share Growth (YoY) | 1.56% | 1.98% | 23.09% | 25.81% | 30.15% | 30.61% | 5.32% | 5.63% | -2,019 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.55% | 0.72% | 0.70% | 0.44% | 0.62% | 0.56% | 0.39% | -31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.17% | 1.05% | 0.76% | 0.83% | 0.84% | 0.88% | 0.91% | 0.82% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.38% | 24.33% | 21.33% | 21.28% | 20.14% | 19.90% | 19.89% | 16.12% | -516 bps | |
| Net Worth / Assets | 24.38% | 24.33% | 21.33% | 21.28% | 20.14% | 19.90% | 19.89% | 16.12% | -516 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.91% | 75.24% | 75.00% | 75.60% | 69.54% | 68.18% | 69.36% | 69.38% | -622 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |