Nashua, NH · Charter 60456
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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 · Charter 60456
Q1 2005
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.33% | -0.24% | -0.11% | 0.22% | 0.21% | 0.06% | -0.14% | -0.26% | -48 bps | |
| Return on Equity | -4.65% | -3.31% | -1.41% | 2.90% | 2.68% | 0.76% | -1.66% | -3.18% | -608 bps | |
| Net Interest Margin | 3.13% | 3.23% | 3.45% | 3.47% | 3.45% | 3.57% | 3.79% | 3.67% | +21 bps | |
| Efficiency Ratio | 97.84% | 98.48% | 97.10% | 92.05% | 93.50% | 93.39% | 92.75% | 103.91% | +1,185 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.72% | -5.08% | -6.99% | -8.23% | -9.26% | -9.09% | -8.73% | -7.88% | +35 bps | |
| Loan Growth (YoY) | -21.94% | -14.58% | -13.86% | -4.32% | -10.71% | -10.61% | -6.70% | -10.74% | -642 bps | |
| Share Growth (YoY) | -3.00% | -4.99% | -7.07% | -9.10% | -10.57% | -9.82% | -9.17% | -7.62% | +148 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.29% | 0.52% | 0.12% | 0.33% | 1.39% | 0.54% | 0.53% | +41 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 | 1.56% | 1.44% | 1.27% | 1.18% | 1.11% | 1.24% | 1.06% | 1.17% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.01% | 7.21% | 7.69% | 7.63% | 7.90% | 8.06% | 8.29% | 8.02% | +39 bps | |
| Net Worth / Assets | 7.01% | 7.21% | 7.69% | 7.63% | 7.90% | 8.06% | 8.29% | 8.02% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.46% | 43.13% | 43.60% | 42.26% | 41.40% | 42.76% | 44.78% | 40.83% | -142 bps | |
| Liquid Assets / Assets | 32.89% | 19.06% | 18.01% | 39.67% | 23.08% | 24.20% | 36.45% | 36.32% | -335 bps | |